Keep 100% of your payments. Add a second residual.
Every other POS forces its own processing and takes your merchant — and your residual. Nightcap doesn't. You keep the payments relationship (and your dual-pricing program) wherever it's technically supported; we add the POS, delivery, catalog, and growth layer; and you earn recurring software residual on every active store you refer.
No cost to join. Non-exclusive.
Two residual streams.
From the same 25 stores in your book.
Your payments residual
Unchanged — Nightcap touches none of it
New Nightcap software residual
25 active stores · 40% tier
The problem
Every other POS is coming for your book.
When your merchant adopts an integrated POS, you don't just lose a deal — you lose the processing residual, forever. Your whole book is bought and sold on how little it churns.
Toast and Square won't let you bring your processor.
Their POS only runs their payments. Your merchant moves, and your residual moves with them — to someone else's book.
Clover and Shopify make BYO uneconomical.
Technically allowed, priced so it never makes sense. Same result: every merchant that switches is a leak in your book.
And your zero-cost-processing program breaks.
Surcharge, dual-pricing, and cash-discount setups rarely survive a forced processor swap. The thing you win merchants with disappears.
The flip
Nightcap rides in around your payments, not through them.
You stay the trusted payments partner. We become the software your merchants run on.
You introduce the merchant
A warm intro from their trusted payments partner. You keep the processing relationship and your program intact.
Nightcap does the rest
Qualification, demo, contracting, onboarding, hardware, training, and support — we run it. Co-sell as much or as little as you want.
You earn a second residual
A recurring share of Nightcap software revenue on every active store, for years — on top of the payments residual you already keep.
The rare win-win
Three ways it pays you.
Defend the book
A vertical POS your merchants actually want keeps them from defecting to Toast. Lower attrition raises the multiple on the residual book you already own — the market pays ~36–48× monthly residual for low-attrition books, and as little as ~18–24× for high.
A second residual
Software residual you don't earn anywhere else — and it grows as merchants add Delivery, Replay, Local Boost, and Margin Guard. It isn't exposed to interchange compression or rate pressure.
A compounding asset
Your rate climbs as your active book grows, expansion revenue stacks, and the software residual is itself a sellable annuity sitting on top of your processing book.
The economics
Rev-share only. The more you bring, the more you earn.
Revenue share on Net Nightcap software revenue from your active referred locations — never your interchange, processing, hardware, or taxes. It declines over the life of each account, and climbs as your book grows.
- Expansion revenue counts — every module a merchant adds
- 90-day launch accelerators jump you up the ladder fast
- 180-day deal protection on every accepted referral
- Monthly payouts, net-30, once Nightcap collects
- No upfront cost, no partner fee
- Non-exclusive — keep working with everyone you do today
Headline terms; your full Schedule A is shared when we talk.
What you'd earn
Your book, turned into a second monthly residual.
Slide to the active locations in your book. This is the new software residual — on top of the payments residual that stays 100% yours.
25–49 locations tier · $257/mo each (POS Core + Delivery + Replay Pro)
Your rate at 25–49 locations
40%
Year 1
25%
Year 2
15%
Year 3+
Your new Nightcap software residual
$2,570
per month in Year 1, every month it's active
$30,840
Year 1 / year
$102.80
per location / mo
+ your payments residual stays 100% yours
Nightcap pays $0 of your processing — this software residual is pure upside on top of what you already earn.
Rev-share on Net Nightcap software revenue from active locations.
Founding ISO status
Grow from referral partner to strategic channel.
Partner link, approved materials, monthly reporting
Priority referral review + co-selling support
Co-branded landing page + quarterly business review
Priority onboarding lane + joint account planning
Custom economics, advisory invite, deeper co-marketing
Why it's safe for you
Built so you never lose.
You keep your payments
Bring-your-own payments where technically feasible. We won't require a processor switch unless a processor, gateway, compliance, underwriting, or technical limitation makes your setup unsupported.
Your deals are protected
Register the lead and it's yours for 180 days (longer for named strategic accounts). No double-claims, no quietly reassigning the merchant you brought.
No cost, ever
No partner fee, no upfront, no quota to buy your way past. You invest the introduction; Nightcap invests the platform. You only ever earn.
Your residual is a real asset
Earned residuals survive termination without cause, and on a Nightcap change of control we buy out future payouts at 2× your best 12 months — your book is protected like the asset it is.
We're signing a small group of founding ISO partners.
Founding partners lock in the best economics, get direct access to the team, and help shape the channel. If you have a book of independent retail and want a second residual without giving up your payments, this is the ground floor.
Apply to the Founding ISO Channel
Tell us about your book. We'll follow up within two business days.