Turn payment processing into non-interest fee income.
Offer your commercial clients merchant services and credit card processing without taking on the risk — and add a technology-delivery partner for the portals, onboarding, and integrations around payment acceptance.
We know why banks don't do payment processing.
Aureus was built to solve every one of those reasons.
Chargeback liability
Acquiring banks normally take on direct financial liability for chargebacks — unrecoverable losses from disputes and merchant insolvency.
Chargeback liability stays with the processor, not your institution — subject to the processor and acquiring relationship.
PCI compliance overhead
Facilitating payments normally demands rigorous PCI DSS compliance — audits, scanning, and significant legal exposure.
Aureus and the processor carry the PCI DSS obligations, keeping that burden off your institution.
Thin profit margins
Interchange fees normally leave banks with fractional profit, so conventional wisdom says payments aren't worth the complexity.
Referral economics turn processing into a standalone revenue pillar — funding bonuses, loyalty, and community programs.
Also your technology-delivery partner.
Banks and credit unions can use Aureus not only as a merchant-services referral partner, but as a technology-delivery partner for the systems around commercial banking and payment acceptance.
Commercial-client portals
Branded portals for your business customers to manage accounts and payments.
Onboarding workflows
Streamlined merchant and commercial onboarding with less manual work.
Reporting dashboards
Reporting and reconciliation views around payment acceptance and fee income.
Core & system integrations
Integrations that connect acceptance to your existing systems.
What processing revenue can fund.
Add fee income without adding risk.
Let's design a referral and technology partnership that fits your institution.