Payments people, on your side of the table.
We started 3 Islands because merchants deserve a processing partner who reads the statement with them — not one who hides behind it.
Our story
After a decade combined in payments — some of it inside the biggest processors in the country — our founders kept running into the same story from merchants: a rate sheet nobody could explain, a "free" terminal that cost $89 a month, and a support line that dropped every call.
3 Islands was built to be the opposite of that. We treat every merchant like a named account. We show our margin. We keep working after the deal closes. And because we're independent, we're not stuck placing you with a single processor — we place you where you'll actually thrive, whether that's a low-risk retail account or a high-risk offshore MID.
The three islands in our name are the three coastlines every merchant lands on: low-risk retail, high-risk specialty, and modern e-commerce. Whichever yours is, we've placed hundreds like it.
- Honest guidanceIf we're not the right fit, we'll tell you. We'd rather lose a deal than misplace you.
- Underwriter-grade preparationOur internal team reviews every file before it goes to the processor, so approvals happen the first time.
- Long-term relationshipsNo sales rep hand-off. The person who signs you up is the person who answers your call two years later.
Ready to work together?
Start an application or send us your last statement — we'll get back within one business day.