Merchant Processing Specialists · Since 2013
PaycoreOS

Merchant Processing
Gateway Solutions
& Chargeback Defense.

PaycoreOS provides merchant accounts, certified gateway access through Authorize.Net and NMI, and industry-leading chargeback interception via Verifi and Ethoca — so you can process confidently and protect every dollar.

Boarding in as little as 24–72 hours  ·  98% approval rate  ·  High-risk welcome
// Processing Dashboard
 Live
Approval Rate
98.0%
▲ Above industry avg
CB Interception Rate
94%+
▲ Verifi + Ethoca
Avg. CB Ratio
0.38%
▲ Well within threshold
Apps Boarded
100s
Since 2013
Supported Verticals
High-RiskMOTO eCommerceRestaurants SaaSRetail ContinuityNutraceuticals TravelCoaching
Certified Gateway & CB Network
Authorize.Net
Reseller
NMI Gateway
Reseller
Verifi (Visa)
Active
Ethoca (MC)
Active
High-Risk MIDs
Domestic
Certified Partners & Networks
Authorize.Net
Certified Reseller
NMI Gateway
Certified Reseller
Verifi
Visa CB Network
Ethoca
Mastercard CB Network
High-Risk MIDs
Domestic & Offshore
// Our Services

Everything your
business needs to process & protect.

From merchant account approval and certified gateway access to real-time chargeback interception — we cover the full processing stack so you can accept payments with confidence and keep your accounts in good standing.

High-Risk Merchant Accounts
Approved accounts for industries most processors decline — MOTO, nutraceuticals, continuity, coaching, travel, and more. Domestic and offshore options.
High-Risk · MOTO · CNP
Authorize.Net Gateway
Certified Authorize.Net reseller. Full gateway setup, virtual terminal, recurring billing, tokenization, and API integration support for your platform or cart.
Authorize.Net · Certified Reseller
NMI Gateway
Certified NMI reseller offering a powerful, flexible gateway with advanced routing, custom billing plans, multi-merchant management, and developer-friendly APIs.
NMI · Certified Reseller
Verifi Chargeback Interception
Verifi's Order Insight and CDRN tools intercept Visa disputes before they become chargebacks — resolving them directly with the issuing bank in real time.
Verifi · Visa Network · CDRN
Ethoca Chargeback Interception
Ethoca's network intercepts Mastercard disputes before chargebacks are filed — sharing transaction data with issuing banks to resolve disputes at the source.
Ethoca · Mastercard Network
Restaurant & POS Processing
Specialized payment solutions for food service — tableside payments, tip management, tab systems, and full Quantic POS deployment for restaurants and retail.
Restaurants · Quantic POS
Not Sure Which Solution?
We'll evaluate your business model, risk profile, and chargeback history to match you with the right account and tools.
Talk to an Expert
// Why PaycoreOS

What separates us from
a typical ISO.

PaycoreOS — a DBA of Telecom Elite, Inc. — was built on over a decade of hands-on experience in payment processing, starting in 2013. After five years inside an international enterprise operation, we processed hundreds of merchant applications with a 98% boarding success rate.

We specialize in two things most ISOs struggle with: getting difficult merchants approved, and keeping their accounts in good standing through chargeback interception and ratio management.

Our certified access to Authorize.Net, NMI, Verifi, and Ethoca means we don't just refer you to a processor — we configure the tools, manage the integrations, and actively defend your revenue against disputes and fraud. We know what banks want, what raises red flags, and how to keep your processing uninterrupted long-term.

  • Certified Authorize.Net and NMI reseller — full setup and support included
  • Active Verifi (Visa) and Ethoca (Mastercard) chargeback interception
  • High-risk merchant account expertise most ISOs simply don't have
  • Chargeback ratio management, reserve negotiation, and account stability
  • MOTO, CNP, eCommerce, continuity, nutra, travel, restaurant, and more
  • Most underwriting decisions within 24–72 business hours
98%
Merchant Boarding Success Rate
Across hundreds of applications since 2013
94%+
Chargeback Interception Rate
Via Verifi (Visa) + Ethoca (Mastercard) networks
10+
Years in Payment Processing
Enterprise operations since 2013
2
Certified Gateway Partnerships
Authorize.Net & NMI — certified reseller for both
24hr
Avg. Underwriting Response
Most decisions within 24–72 business hours
// How It Works

From application to live processing — fast.

01
Submit Application
Fill out our merchant application with your business details, processing volume, and vertical.
02
We Match & Submit
We review your risk profile and submit to the right processor, gateway, and CB protection setup for your model.
03
Underwriting Decision
Most approvals come back within 24–72 hours. Our 98% boarding rate means you're likely approved on first submission.
04
Go Live & Protected
We configure your gateway, activate chargeback interception, and monitor your account for ongoing account health.
// Get Started

Ready to get approved and protected?

Whether you need a new merchant account, a gateway upgrade, chargeback interception, or all three — we'll build the right processing stack for your business. No one-size-fits-all solutions.

No obligation · Decisions in 24–72 hours · High-risk welcome · Verifi & Ethoca ready