Dual-KYC Matching Signed Operating Agreement Descriptor / Legal / Bank Alignment Evidence-Ready Operations Reserve-Aware Planning

Our mission

Bring predictability and compliance to high-velocity commerce by pairing vetted brands with warmed, reviewer-ready payment lanes—and operating them like a proper program, not a shortcut.

🧭
Compliance-first — no gray transfers; reviewer checks are anticipated and documented.
📈
Disciplined scaling — staged ramps, prudent daily caps, reserve modeling.
🧾
Evidence on file — invoices, tracking, refund logs, dispute kits.
🧮
Weekly tie-out — gross, fees, reserves, refunds, disputes → net & disbursements.

What we do

We coordinate a documented, policy-aligned cooperation between a verified account owner (Stripe, Shopify Payments, PayPal; plus Airwallex & Square) and a vetted brand that needs reliable capacity.

  • 🔍
    MCC & policy hygiene — refund window ≥30d, shipping SLAs (tracking ≤24h), descriptor integrity.
  • 🧩
    Review pack — invoices, supplier proofs, tracking exports, dispute templates.
  • 🚦
    Ramps & caps — staged volume with reserve-aware planning.

Operating principles

  • We don’t sell or rent accounts; Merchant-of-Record stays the verified owner.
  • 🛡️
    If a review flags the setup, we pause; if a review fails, it doesn’t launch.
  • 🔒
    Evidence and financials are auditable; partner statements are itemized.

Leadership

Alex Morgan
Managing Partner

15+ years in PSP risk & underwriting. Built reviewer playbooks used across multiple geographies.

Sara Chen
Head of Operations

Scaled ops for multi-storefront programs; obsessed with SLAs, evidence hygiene, and clear ledgers.

Omar Haddad
Compliance & Policy

Policy mapping, MCC selection, descriptor alignment. “No gray transfers” is the rule, not the exception.

Milestones

2023 — IRent founded; dual-KYC matching formalized.
2024 — Evidence-ready ops launched; reviewer response kits.
2025 — Weekly tie-out program standardized; 150+ vetted brands.

By the numbers

~99%payout stability post-match*
24–48hRFI turnaround
>30drefund window standard
0tolerance for policy bypass

*Observed internally; not a guarantee. Platform decisions may impose reserves/holds.

In-scope platforms

Regions served: U.S., Canada, Europe. Exclusions: adult, gambling, CBD, high-risk supplements, sanctioned regions.

Default payout flow

Preferred (program standard): Payouts route to IRent Agency custody for the match. IRent allocates & disburses partner shares per the revenue-share terms with a weekly ledger tie-out.

  • 📊
    Segregated ledgers by match
  • 🗓️
    Scheduled disbursements (typically weekly)
  • ↩️
    Rolling reserve / clawback options

Compliance alternatives

When platform requires owner-bank or sub-merchant models: we switch to escrow/managed split, PSP-native split, or owner-bank settlement with contractual settlement to the brand. If review flags the flow, we pause and remediate. If review fails, it doesn’t launch.

What clients say

Danielle R.
DTC Apparel — US
★★★★★

Dual KYC, descriptor cleanup, staged ramps. First payout in 9 days; zero disputes in month one. Weekly tie-outs are crystal clear.

Khalid A.
Marketplace — EU
★★★★★

Evidence-ready pack + policy fixes stabilized our payouts. Caps increased gradually, no surprises during review checks.

Megan S.
Agency — CA
★★★★★

Professional, documented cooperation. Dispute playbooks saved us time. Finance loves the weekly reconciliation.

Replace with your real review app/widget when ready.

Where we operate

North America

U.S., Canada — primary coverage and reviewer playbooks.

Europe

Core corridors supported; descriptor & MCC nuances handled.

Other regions

Sanctioned & high-risk regions excluded. Ask us about future expansion.

Careers

We hire people who like boring, correct answers more than flashy shortcuts. If you can write a clean SOP and argue for better risk controls, we should talk.

  • 🧾
    Risk & Underwriting Analysts
  • 📦
    Ops & Evidence Specialists
  • 📊
    Reconciliation & Reporting

Send your CV →

Press kit

AssetNotes
Brand marksPrimary wordmark + monochrome
Color palettePurple gradient #6C4DFF → #9B5CFF
BoilerplateOne-paragraph company description

Need quotes or background? marketing@irent.agency

Ready to check eligibility?
Same-day answers on KYC, descriptors, payout routing, and timelines.

Frequently asked questions

Is this account renting?
No. We arrange documented cooperation under a signed operating agreement and dual KYC. Merchant-of-Record remains the verified owner; we do not sell or rent accounts.
Who receives the money?
Default: payouts land with IRent custody for the match; IRent allocates and disburses partner shares per the revenue-share terms with a weekly ledger tie-out. If a platform requires otherwise, we use escrow/managed split, PSP-native split, or owner-bank flow with contract settlement.
What’s the typical timeline?
7–14 days from intake to first payout after review pass and 5–10 test orders. Timelines vary by platform and risk signals.
Who is a good fit?
Shopify DTC, dropshippers, agencies, and marketplaces around $50k–$500k/month in the U.S., Canada, or Europe. Not ideal for brand-new stores or >$1M/month enterprise.

Talk to a specialist

We’ll review eligibility and map exact next steps.

Support / Sales / Partnership
support@irent.agency
Cooperation / Advertising
marketing@irent.agency
Opening hours
Mon–Fri, 09:00–17:00 (GMT+1)
Phone & WhatsApp
+1 (807) 804-0208