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To Our Valued Partners,

We are excited to announce that Merchant Industry has expanded our banking relationships and partnered with the esteemed Commercial Bank of California (CBCal). This dynamic partnership introduces an innovative credit policy, unlocking opportunities for previously constrained verticals. With our new affiliation, we’re pleased to announce the removal of basis points on card-present transactions for tobacco, gadgets, and travel merchants. This move underscores our commitment to fostering growth, offering unprecedented advantages to our valued clients in these sectors.

Effective immediately, all ISO agents/partners must begin using the new Merchant Processing Agreement, version 10.5, for all TSYS account submissions.

Click the button below to download Version 10.5 of the TSYS MPA. It is also available in the Swipe4Free Resource Center and directly in DocuSign in email and in-person formats.

We encourage you to consider CBCal Bank as the preferred institution for all your low-risk merchant submissions. CBCal Bank offers excellent support and competitive services tailored to meet the needs of our merchants.

Please note that version 10.5 of the TSYS MPA is currently unavailable in the CRM/ISO Access.

Should you have any questions or require further clarification regarding the new MPA version or the process of directing merchants to CBCal Bank, please do not hesitate to contact our Underwriting department at We are here to assist you every step of the way. Thank you for your prompt attention to this matter and your continued partnership.