Monetize your merchant network.
Merchant & Ecosystem Card Programs
Turn acquiring relationships into a full financial ecosystem.
OTLRS helps acquirers, PSPs, marketplaces, and merchant platforms issue branded commercial cards, accounts, merchant wallets, and AI-supported operating workflows - creating new revenue beyond processing volume.
The Challenge
Value beyond transaction processing.
Acquiring is under margin pressure. Merchants need more than payment acceptance. They need cards for ad spend, supplier payments, inventory, SaaS tools, travel, subscriptions, payouts, and working capital. But most acquirers stop at processing, leaving the broader financial relationship to banks and third-party platforms.
Building those capabilities requires issuing infrastructure, compliance workflows, merchant KYB, risk controls, settlement operations, reporting, and support. Without the right model, the opportunity becomes too expensive to launch.
Your Ecosystem, Your Cards
OTLRS helps merchant platforms launch white-label commercial card and account programs for their existing merchant base. We provide the rails, regulated partner access, KYB workflows, card issuing, settlement design, reporting, and AI-supported operations that make the program scalable.
Acquirers can deepen merchant relationships, create new interchange and service revenue, and give merchants practical tools to manage spend. Your merchant network becomes more than a portfolio of transactions. It becomes a captive financial ecosystem.
Key Features
Issue branded commercial cards to merchants for supplier payments, digital ad spend, travel, inventory, and operational expenses.
Create a new revenue stream from merchant spend, not only merchant acceptance.
Access card issuing, partner infrastructure, and operating workflows without margin stacking on the rails.
Give merchants real-time spend controls, virtual cards, team permissions, MCC restrictions, and reporting.
Support merchant spend across borders with treasury, FX, and settlement flows designed around the platform.
Use AI workflows for KYB review, merchant support, risk signals, reporting, reconciliation, and operational follow-up.
How It Works
step 01
Program Design
Define the merchant segments, commercial model, card proposition, controls, KYB requirements, and operating workflows.
step 02
Merchant Onboarding
Onboard existing merchants through a streamlined KYB and risk workflow connected to partner infrastructure.
step 03
Issue & Empower
Issue virtual and physical cards, accounts, or wallet capabilities that solve real merchant operating problems.
step 04
Monetize & Grow
Earn revenue from merchant spend, improve retention, and expand into additional financial products.
Why?
Ready to Build Your Ecosystem?
