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Independent sales organizations may experience decreased revenue if RevolutionCard, an upstart consumer credit card brand, succeeds in securing support from enough merchants and consumers to compete with Visa Inc. and MasterCard Worldwide using its proprietary low-fee network. "It's a threat to [ISOs'] income, no doubt," says John Castle, who did not provide a title, with Merchant Bankcard, a York, Pa.-based ISO. ISOs earn the bulk of their revenue from traditional Visa and MasterCard credit and debit card transactions. RevolutionCard has built an Internet-driven operating system and proprietary payment network, according to a company spokesperson.

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