Investor OverviewThe Operating System for Payment Processors
Invoiss transforms Independent Sales Organizations (ISOs) into software-powered revenue machines without touching interchange or underwriting risk.
Where the $100 Goes
Understanding the economics of a standard 3% merchant transaction.
$100 Transaction Breakdown
Payment Flow
Terminal Sale vs Invoiss Platform Sale
Real example: $150,000/month merchant volume | 3.0% blended rate | 40 bps ISO spread
Terminal Only
Traditional hardware sale
Terminal + Invoiss
Full platform sale
The Stickiness Lever
ISO ends up with similar net monthly revenue, BUT the merchant is now running Accounting, Invoicing, Inventory, CRM, Payment Processing, and Terminal Management all inside one ecosystem. That's a 25% increase in lifetime value from retention alone.
Invoiss Position
- 1.Invoiss charges 11 basis points (0.11%) + SaaS subscription
- 2.We do NOT touch interchange
- 3.We do NOT underwrite risk
- 4.We sit on top of existing processor relationships
The ISO Channel Is Built Around Hardware
ISO Today
- Terminal sales (Clover, Ingenico, Dejavoo)
- Excel residual tracking
- Manual onboarding
- Basic POS software
- Compete on rate
- Revenue from basis points only
Modern Merchant Expectations
- Cloud dashboard
- Accounting software
- Recurring billing
- Inventory management
- CRM
- Automation & reporting
ISO Market Landscape
ISOs control merchant distribution.
They do not control the software layer.
Turning ISOs Into Software Companies
Revenue Expansion Example
Merchant with $50,000/month processing volume
ISO Net Revenue Comparison
The Invoiss Flywheel
The Only Payments Platform Sold by ISOs
We are building the control plane for merchant payments, unifying devices, processors, invoicing, and payments into one API-first platform. ISOs use Invoiss to offer modern, sticky SaaS revenue, without owning risk or infrastructure.
$1B+
GMV Processed
$800K
ARR
140%
YoY Growth
60+
ISO Partners
We are profitable
ISOs Dominate Acquisition, But They're Stuck
Independent Sales Organizations (ISOs) dominate merchant acquisition, but they're stuck reselling legacy hardware, portals, and payments rails.
- Lack SaaS products to sell
- Don't control the payments stack
- Lose merchants to modern SaaS platforms with stickier value
Meanwhile, merchants are locked into outdated systems, unable to switch processors or hardware without expensive rewrites.
Invoiss: The Payments Control Plane
Merchants gain portability. ISOs gain power. We monetize enablement, not just transactions.
ISOs
Sell a processor-agnostic, SaaS-first platform with recurring revenue
Merchants
Unify payments, devices, and invoicing in one flexible interface
Developers
Use Invoiss APIs and SDKs to build embedded payment flows
Fee Structure with ISO Split Logic
| Revenue Stream | Structure | Notes |
|---|---|---|
| SaaS Fee per Merchant | $100–$200/month | Platform access |
| Usage-Based Fees | $0.10–$0.30 per invoice / payment / API call | Scales with usage |
| Device / Payment Surface Fee | $10–$50/month per channel or terminal | Pay-by-link, online, POS, etc. |
| Add-Ons / Integrations | $10–$25/month | QuickBooks, ERP plugins |
Merchant Boarded by Invoiss
100% to Invoiss
Invoiss boards the account directly, no ISO involvement
Merchant from ISO/Agent
11 bps to Invoiss + ISO markup
ISO owns relationship, can markup SaaS pricing
Avg Gross per Merchant
$4,200/year
Blended SaaS + usage + device fees
Avg Net (Invoiss-boarded)
$4,200/year
100% retained by Invoiss
Avg Net (ISO-sourced)
11 bps of GMV
Scalable, zero CAC, ISO can markup
Example Economics
Invoiss boards the account directly
Invoiss boards the account directly - no ISO involvement
Example: $1M ARR
ISO handles sale, support, and owns relationship
Invoiss provides tech platform and infra
Invoiss earns 11 bps of GMV
Based on $1M ARR
$1,100/year to Invoiss
ISO keeps all other revenue
ISO Channel Distribution, Not Direct Acquisition
Each ISO brings tens to hundreds of merchants. Instead of fighting ISOs, we enable them.
Current Traction
60+
ISO Partners Signed
2,700+
Merchants Onboarded
4,600
Daily Active Users
$800K
ARR, Profitable
Massive Addressable Market
200,000+
ISO Offices Globally
30,000
ISOs in U.S. Alone
100
Avg Merchants per ISO
$4,200
Avg Revenue per Merchant/yr
Initial SAM
Merchants
600,000
Revenue Potential
$2.5B+
Target Strategy
We target the top 20% of ISOs servicing mid-to-large merchants, where complexity (and margins) are highest.
Top 20% = highest value ISOs
Milestones
2022
Launched MVP, processed $100K in TPV
2023
$200K ARR, 1 ISO partner
2024
$400K ARR, 5 ISO partners
2025
$800K ARR, 60 ISO partners, $1B+ GMV
2028Goal
$10M ARR, 600 ISO partners
Use of Funds
$1.5M Seed Round
ISO Channel Expansion
Routing Intelligence & Infra
Compliance & Risk
Key Hires
Buffer
Goal
Scale ISO footprint, deepen routing logic, and prepare for Series A in 18–24 months.
Team
Pouya Rezvani
Co-Founder & President
Amir Sadeghi
Founder & CEO
Built and sold a point of sale system in 2019. Deep ops and product experience.
Why We Win
Only Platform for ISO Distribution
Purpose-built for the ISO channel, not retrofitted
High ARPU SaaS Model
Not low-margin interchange arbitrage
Device & Processor Abstraction
Ultimate merchant flexibility and portability
ISO Incentives Aligned
Stickier merchants, more revenue for partners
Profitable + Fast Growth
Capital-efficient scaling proven
Zero CAC
ISO channel eliminates customer acquisition cost
Ready to Transform ISOs into Software Companies?
Invoiss is building the future of merchant payments infrastructure.