PROFITTHEORY

Community bank partnership

Offer your business customers payment solutions — without building a merchant program

Many community banks and credit unions don't offer card processing, so business customers take that relationship elsewhere. Our partnership program gives your institution access to providers we select based on fit, customer education and a human guide, while you keep the banking relationship.

No program to build

Your bank doesn't become a processor or take on merchant underwriting. Customers are introduced to a selected provider your bank reviews and approves.

Keep the relationship

Business customers get a payment option through a partner you chose, instead of finding one on their own — so deposit and lending relationships stay with you.

Education your staff can share

Plain-English guides, statement reviews and calculators your relationship managers can send to customers.

Customer consent first

Nothing is shared with any provider without the customer's approval. Your bank decides which customers to refer and whether the arrangement fits your policies.

How the partnership works

  1. Step 1

    Apply

    Tell us about your institution and goals. It takes about three minutes.

  2. Step 2

    Intro call with a financing specialist

    Your financing specialist reviews your customer base, current payments setup and compliance needs.

  3. Step 3

    Review the provider

    Your team reviews the selected provider, pricing approach and written terms.

  4. Step 4

    Launch a referral path

    We set up a simple referral process and staff materials. Customers get education and statement reviews.

Apply to partner with Profit Theory

Your financing specialist personally reviews every application and will reach out to schedule an introductory call. Applying doesn't commit your institution to anything.

Common questions

Does our bank need to become a payment processor?
No. The goal is giving customers access to a selected provider without building a merchant program.
Who sets pricing for our customers?
The payment provider sets pricing and approves merchants. Profit Theory is not a lender, bank or processor.
Is there a cost to the bank?
Program terms, including any compensation, are set in writing with the provider and disclosed before you commit. See our referral disclosure.
Can you help our borrowers too?
Yes. Your financing specialist can help business borrowers prepare financing plans and lender-ready packages for your loan officers.

Profit Theory is not a bank, lender or payment processor. See our referral disclosure.

Goals (choose any)

Estimates only. Results vary. No guarantee of approval, rates or savings.