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Payment Agent and Referral Partner Program

If you already work with merchants who need reliable card and PayPal-wallet processing, the SwissPay partner program lets you refer them in. SwissPay handles onboarding and underwriting in-house, with T+2 USD settlement on PayPal rails.

Become a partnerSee the partner inquiry page
In-houseBoarding and underwriting
PayPal railsCard and PayPal-wallet processing
PCI L1Service Provider (AOC-backed)
US and CanadaMerchants you can refer
Quick answer

The SwissPay partner program lets agents, resellers and referral partners refer US and Canadian merchants to SwissPay, with partner terms agreed when they join. SwissPay is a PayPal-managed payment facilitator that boards and underwrites merchants in-house on PayPal rails, so the merchants you refer do not need their own PayPal account.

What is the SwissPay partner program?

The SwissPay partner program lets agents, resellers and referral partners refer US and Canadian merchants to SwissPay. SwissPay is a PayPal-managed payment facilitator that boards and underwrites merchants in-house on PayPal rails, so referred merchants do not need their own PayPal account.

SwissPay.ai is a PayPal-managed payment facilitator operated by MintAds Inc. Rather than sending you to shop merchants across many banks, the model is straightforward: you refer a merchant, and SwissPay reviews and underwrites that merchant in-house. Approved merchants get card and PayPal-wallet processing, card and wallet vaulting for subscriptions and rebills, and settlement to their own bank account, without needing their own PayPal account.

How the SwissPay partner program works: 1. Partner terms agreed, Directly with SwissPay when you join; 2. Partner refers or resells, Agents, resellers and referral partners; 3. SwissPay boards the merchant, Underwritten in-house on PayPal rails; 4. Merchant processes payments, Card and PayPal wallet, PCI DSS Level 1
Diagram: SwissPay.ai

Who is the SwissPay partner program for?

The program is for sales agents, resellers, referral partners and SaaS platforms who work with merchants that need card and PayPal-wallet processing. It fits best if your clients are US or Canadian businesses in supported verticals such as supplements, subscriptions, telehealth, crypto or iGaming.

Sales agents and resellers

You place merchant accounts today and want another home for the deals you write.

Agencies and SaaS platforms

Your clients need to accept card and PayPal-wallet payments and you want a processor you can send them to.

Referral partners

You introduce merchants to processors and want a payfac that boards and underwrites them in-house.

Vertical specialists

Your merchants operate in supported verticals such as supplements, subscriptions, telehealth, crypto or iGaming.

What do partners get in the program?

Partners get a PayPal-managed payment facilitator to refer merchants to, and their merchants get a PCI DSS Level 1 platform on PayPal rails with card and wallet vaulting for subscriptions and rebills, chargeback and PayPal dispute handling, and settlement to their own bank. Partner terms are agreed with SwissPay when you join.

Partner terms agreed directly

The terms of your partnership are agreed with SwissPay when you join the program.

In-house boarding and underwriting

SwissPay boards and underwrites the merchant on PayPal rails, so the merchant does not need their own PayPal account.

Subscription and rebill ready

Card and PayPal-wallet vaulting for subscriptions, trials and rebills.

Chargeback and dispute handling

Chargeback and PayPal dispute management with automated evidence submission.

Which merchants can I refer?

You can refer merchants in SwissPay's supported verticals, including nutraceuticals and supplements, health and wellness subscriptions, telehealth and GLP-1 via a licensed pharmacy, cryptocurrency and digital assets, iGaming, skincare and beauty subscriptions, and standard retail e-commerce, digital goods and software. Each merchant is boarded and underwritten in-house on PayPal rails.

Nutraceuticals and supplements

Straight sale and subscription or trial, boarded in-house on PayPal rails.

Health, wellness and telehealth

Health and wellness subscriptions, telehealth and GLP-1 via a licensed compounding or retail pharmacy.

Crypto and iGaming

Cryptocurrency and digital assets, plus iGaming casino, sports betting, lottery and fantasy.

Beauty and standard retail

Skincare, cosmetics and beauty on subscription, plus retail e-commerce, digital goods and SaaS.

How does the SwissPay model work?

SwissPay is a PayPal-managed payment facilitator. You refer a merchant, SwissPay reviews and underwrites that merchant in-house, and an approved merchant processes card and PayPal-wallet payments without their own PayPal account. Funds settle to the merchant's own bank account, with subscription vaulting and chargeback handling built in.

You refer or resell, and SwissPay handles review and boarding. A merchant you refer is reviewed and underwritten in-house by SwissPay and, once approved, processes card payments on PayPal rails (Visa, Mastercard, American Express, Discover), the PayPal wallet, and PayPal Pay Later. Card and wallet details are held in a tokenized vault inside the PCI DSS Level 1 environment for subscriptions and rebills, with 3-D Secure 2 where required, real-time fraud scoring, and chargeback and PayPal dispute handling with automated evidence submission. Funds settle in USD to the merchant's own bank account.

How do I become a SwissPay partner?

Tell SwissPay about your book and the merchants you want to refer, and agree your partner terms. Once you join, you can start referring US and Canadian merchants, who are reviewed and underwritten in-house and need no PayPal account of their own. Start on the partner inquiry page.

  1. 1
    Tell SwissPay about your book

    Share the merchants you want to refer and the verticals you sell.

  2. 2
    Get set up as a partner

    SwissPay agrees your partner terms and sets you up as a SwissPay partner.

  3. 3
    Refer merchants

    Each merchant is boarded and underwritten in-house on PayPal rails, with card and PayPal-wallet processing.

Give the merchants you already know a home on PayPal rails.

Refer merchants into SwissPay's PayPal-managed payment facilitator, boarded and underwritten in-house.

Become a partner

Related

Frequently asked questions

What is the SwissPay partner program?
The SwissPay partner program lets agents, resellers and referral partners refer US and Canadian merchants to SwissPay. SwissPay is a PayPal-managed payment facilitator that boards and underwrites merchants in-house on PayPal rails.
Who is the partner program for?
It is for sales agents, resellers, referral partners and SaaS platforms who work with merchants that need card and PayPal-wallet processing. It fits well if your clients are US or Canadian businesses in supported verticals such as supplements, subscriptions, telehealth, crypto or iGaming.
Which merchants can I refer to SwissPay?
You can refer merchants in SwissPay's supported verticals, including nutraceuticals and supplements, health and wellness subscriptions, telehealth and GLP-1 via a licensed pharmacy, cryptocurrency, iGaming, skincare and beauty subscriptions, and standard retail e-commerce, digital goods and software.
How are partner terms set?
Partner terms are agreed directly with SwissPay when you join the program, rather than published on the site. You tell SwissPay about your book and the merchants you want to refer, and the terms are settled before you start referring.
Do the merchants I refer need their own PayPal account?
No. SwissPay is a PayPal-managed payment facilitator that boards and underwrites merchants in-house on PayPal rails. The merchants you refer can accept card and PayPal-wallet payments without opening their own PayPal account.
How do I become a SwissPay partner?
Apply with the merchants you want to refer. Once you join, you can start referring merchants, who are reviewed and underwritten in-house. Start on the partner inquiry page or email support@swisspay.ai.
Last reviewed: 14 October 2026

Become a SwissPay partner

Share the merchants you want to refer, and SwissPay will follow up to get you set up.

  • Boarded and underwritten in-house, no separate PayPal account needed
  • Card and PayPal-wallet vaulting for subscriptions, trials and rebills
  • PCI DSS Level 1, 3-D Secure 2 where required, and chargeback and dispute handling built in