Empower your clients with transparent processing and build a durable revenue stream for your firm
Program Overview
Ranch Payments offers a national referral program designed specifically for accounting firms. Partners act as independent "Finders," referring clients to our transparent merchant services in exchange for a 25% revenue share. Our program is built for professional compliance, requiring $0 initial investment and offering at-will termination to protect your firm’s independence.
Why accounting firms choose Ranch Payments:
Transparent Residuals: You receive 50% of the Net Collected Revenue, calculated with an auditable formula.
Zero-Friction Onboarding: No signup fees, no mandatory quotas, and no technical integration required.
Regulatory Ready: Our terms are designed to align with AICPA and State Board ethics rules regarding fee disclosures.
National Reach: We support referrals for merchants in all 50 states.
Frequently Asked Questions
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We will pay you 25% of the Net Collected Revenue generated by merchants you refer who sign a processing agreement. Net Collected Revenue is all processing fees received by Montaska less any and all costs, expenses and losses attributable to the signed merchant including but not limited to card association interchange, fees, dues and assessments, processing costs, marketing costs and equipment fees.
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Most merchant accounts are approved and active within 2-3 business days after receipt of standard documentation (voided check, EIN, and ID).
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Yes. You will be assigned a personal account manager upon joining. You can reach out to them directly for any questions, updates, or strategic advice regarding your account.
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None. You act as a "Finder Only." Our agreement explicitly states you are not responsible for the merchant's technical processing, chargebacks, or financial liabilities.
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Yes, in most jurisdictions. Under AICPA Rule 503 and most state board regulations, referral fees are permitted as long as the CPA is not performing attest services (like audits or reviews) for that specific client and provides a written disclosure to the client.
Interested in Learning More?
Partner Resources
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Any business that currently accepts or plans to accept credit cards for payment is a prime candidate for a merchant services review. Look specifically for clients who:
Have high-volume transactions or complex seasonal shifts.
Struggle with reconciling daily sales to their bank deposits.
Express frustration with "hidden fees" or confusing monthly statements.
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On Transparency: "When was the last time you performed a true 'apples-to-apples' comparison of your processing costs? Do you feel you have a clear understanding of exactly what you are paying for each transaction?"
On Education: "Has your current provider ever walked you through your monthly processing statement line-by-line to explain the difference between interchange costs and their markup?"
On Security: "Are you confident that your current setup is fully PCI-compliant to protect you from data theft and non-compliance fines?"
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If a client answers "No" or "I'm not sure" to the High-Impact Conversation Starters, they likely have one of the following issues:
Fee Creep: They are on an outdated pricing model (like tiered pricing) where they pay a premium on most cards.
Support Gaps: They lack a dedicated point of contact.
Reconciliation Friction: Their merchant account funds take 48+ hours to reach their business checking account, causing cash flow lags.
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Once you have identified a potential benefit, position the referral as a professional courtesy:
"I work with a transparent processor called Ranch Payments that specializes in 'Interchange-Plus' pricing for firms like yours. I've asked them to perform no-obligation rate reviews for several of my clients to ensure they aren't being overcharged by the big banks."
"Would you like me to send them a copy of your most recent statement? They can provide a side-by-side comparison so you can see exactly where your money is going."
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Remind your client that the onboarding process is streamlined. Most new accounts can be approved and active within 2-3 business days once standard documentation (voided check, EIN, and ID) is submitted. This reinforces your role as an efficient advisor who values their time.