Turn Challenges Into Opportunities

Turn Hard To Place Business Into Highly Profitable Accounts

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Meet Arash Izadpanah


Held senior leadership roles with multiple top-5 global processors and super ISOs.


30+ years of experience with Sales Partners, ISOs and Agents.


Credit Risk Management: Believer in Business Enablement vs Sales Prevention.


Track record of reducing losses while transitioning Credit Risk teams to Partner-Centric approach.


Strong ability to deploy People, Process, and Technology to achieve balance and harmony.

True Story

One of the things that Arash is most proud of is that he was accused (by Executive Management of a top-5 global processor) of “being too business-friendly”! At the time, Arash was Head of Credit Risk for this top-5 global processor. A seasoned sales agent had brought forth a massive merchant opportunity in the travel space. After the processor’s decision engine and credit policy team had declined the account, the sales agent escalated the account to Arash.

Over the next several weeks, he held multiple meetings with different stakeholders on the merchant side; from the CEO and CFO to Marketing and IT. By diligently and accurately documenting the merchant’s unique business model and risk profile, a formal exception request was submitted to the sponsor bank who in-turn understood the opportunity and mitigating factors that had been proposed. The bank agreed to the exception. The account now had to clear the Credit Committee, which comprised of senior management and several C-suite members. During the meeting, senior management (VPs and SVPs) were arguing against approval but were over-ridden by the C-suite members!

This is actually very common in larger organizations; the top layer of the organization has no idea what goes on day-to-day at the decision-making level of the credit risk management and the middle-management level is not aligned with the top layer. They typically never talk to one-another and operate in silos that march in different directions.

At Payzli, we have created a framework where EVERY declined account must be sent to a group comprised of various department heads for concurrence, and declined accounts over a certain volume threshold must obtain CEO concurrence. We do this to ensure our underwriting team stays closely aligned with our aggressive risk appetite and partner-centric philosophy. We believe that there is such a thing as diligent flexibility and use this approach to bend over backwards when it makes sense, making the most of our new-age risk monetization strategies. We believe that you can be creative and compliant at the same time when it comes to high risk merchant services. Our team of credit and risk experts are here not just to mitigate risk…we are here to mitigate and monetize risk. We strive to strike a healthy balance between risk and revenue on every deal so no viable opportunity is lost.

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18,000 +


$ 2 B+


65 +


10X Your Revenue Per Account

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Get $500 Bonus On Your First Deal

Hear From People Who Trust Us

Over the past three decades, we have helped ISOs and Agents with challenging merchant opportunities when other processors and banks simply said “NO”.

I worked closely with Arash where I headed the ISV group. He was always looking for creative ways to make opportunities work. With his help, we were able to board many unusual high-risk merchant accounts and high-risk ISVs.



Rob Nathan

Former Head of ISV, Fiserv

Arash and his team have a very hands-on approach towards high-risk merchant services and have worked closely with us and our merchants to find creative structures to board high-risk / high-revenue accounts. With decades of experience in managing high-risk businesses, they understand how to get across the finish line and are there for us and our merchants when any issue or question arises.

Ben Alyeshmerni

CEO, Seamless Payments

We Guarantee

Why choose us? It’s very simple. Every merchant and partner that we work with gets FOUR GUARANTEES from us.

Fast Approvals

Simply submit our digital merchant account application (it takes less than 5 mins), and you will hear from us within 1 business day.

Direct Access To Underwriters

We ensure open and clear communication for all our partners with direct access to our underwriting team and regular account status updates.

Live US-Based Support

Our dedicated support team based in the US understands your specific needs and stands by 24/7 to answer all your queries.

Generous Revenue Share

We take pride in our robust and transparent residual module with consistent and generous pay-outs, month-after-month.

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How Payzli Monetizes Your Risk

The mindset that the Payzli Credit Management team instills on our underwriting team: “Don’t Tell Me “No”, Tell Me How?”

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Simple Agent Onboarding

Submit your details with us. Gear up for a one-on-one interview. Complete and sign the agent onboarding agreement. And, you’re good to go. Get Started NOW.


Pre-Qualify Merchants

Submit a simple online form to “pre-qualify” high-risk deals and leverage our merchant account underwriting expertise. With a push of a button, the form will land in the capable hands of an industry expert for prompt evaluation and response. Submit NOW.


Digital Application Process

Complete our simple digital application to submit a high-risk merchant account. Share all supporting documents as required, and get a response from us within one business day. It’s as easy!


Response In 1 Business Day

Once you submit the merchant account application, be rest assured, you will get a response from us within one business day. We also keep you regularly updated about your account status via SMS and email.

Time Is Money

Use this simple form to “pre-qualify” your merchant deals. It will only take a few minutes, and with a push of a button, the form will land in the capable hands of an industry expert for prompt evaluation and response.

No Risk.

No Strings.

No Surprises.

No Conditions.

Pre-Qualify Your Merchant


Our dedicated team is standing by to get your accounts approved or answer any and every question that you may have!

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