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ISO CRM · Embedded Payments Ops · 90+ Integrations

Your merchant portfolio is running on spreadsheets. It doesn't have to.

Aquifer is the operational backbone for payment ISOs and vertical SaaS platforms running embedded payments. Boarding, residuals, agent hierarchy, pipeline, chargebacks, and analytics - one system, zero spreadsheets.

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What Aquifer replaces
✕ Residual spreadsheets
✕ Email boarding threads
✕ Manual dispute tracking
✕ Pipeline in a generic CRM
✓ Aquifer. One system.
Inside Aquifer

What you actually get.

A look at the operating layer behind your merchant portfolio. Cycle through the views below.

app.aquiferhq.io
Sample data

Dashboard

Welcome back, Dylan
+ New Lead
Total Leads
247
+12 this week
Active Merchants
38
+3 this month
Applications in flight
14
2 awaiting docs
Recent Leads View all →
Roberto's Pizza
San Diego, CA · 2h ago
Approved
Sunset Hair & Spa
Austin, TX · 5h ago
Boarded
Acme Auto Body
Phoenix, AZ · 1d ago
Stage 3
Greenpoint Dental
Brooklyn, NY · 1d ago
Pending docs
Ben's Diner
Portland, OR · 2d ago
Review
Recent Activity View all →
Agent Jeff K. boarded Roberto's Pizza
1h ago
Residual statement imported · Fiserv (Aug)
4h ago
Chargeback escalation · case #4421
6h ago · $284.50
Agent Sam P. added to Echelon West
1d ago
Equipment shipment confirmed · 12 terminals
2d ago

Leads

247 total · 14 in active outreach
+ New Lead
MerchantVerticalStageOwnerLast touch
Roberto's PizzaRestaurantApprovedJeff K.2h ago
Sunset Hair & SpaSalonBoardedMaria V.5h ago
Acme Auto BodyAutoStage 3Jeff K.1d ago
Greenpoint DentalHealthcarePending docsSam P.1d ago
Ben's DinerRestaurantReviewMaria V.2d ago
Brookline LawLegalStage 3Sam P.2d ago
Bayview Property MgmtReal estatePending docsJeff K.3d ago

Residuals

Statement period · August 2026
Run reconciliation
Gross residual
$48,217.40
Net to agents
$33,752.18
House share
$14,465.22
Reconciled
100%
SourceStatementGrossAgent splitStatus
FiservAug 2026.pdf$21,408.12$14,985.68Reconciled
TSYSAug 2026.csv$12,884.04$9,018.83Reconciled
WorldpayAug 2026.pdf$8,621.55$6,035.09Reconciled
NMIAug 2026.csv$3,748.69$2,624.08Reconciled
AdyenAug 2026.csv$1,555.00$1,088.50Reconciled

Agent tree

3 sub-ISOs · 18 active agents
+ Add agent
Arrowhead Direct
House book
$48,217 / Aug
Echelon West
Sub-ISO · Maria V.
$22,041 / Aug
Sam P.
Agent · 14 merchants
$8,127
Jeff K.
Agent · 11 merchants
$6,488
Echelon Central
Sub-ISO · Brent L.
$14,805 / Aug
Lori M.
Agent · 9 merchants
$5,213
Echelon South
Sub-ISO · Diego R.
$11,371 / Aug

Sample data shown. Real merchant numbers are private to each account.

The problem

Processors give you a statement. Not a system.

Whether you run a payment ISO or a vertical SaaS platform with embedded payments, the operational layer was never built for you. Residuals, boarding, visibility - all manual, all fragmented.

Residuals

Month-end reconciliation is a manual job

Import a statement, split it across agents or sub-ISOs, reconcile chargebacks, verify the math. Manually. Every month. One bad formula and someone gets shorted.

Boarding

New merchants board through email chains

Applications move through PDFs, email threads, and processor portals that don't talk to each other. For ISOs and SaaS platforms alike, slow boarding means lost merchants.

Visibility

Your portfolio has no single source of truth

Volume, chargeback ratios, retention, effective rates - scattered across processor portals, spreadsheets, and stale exports. By the time you find a problem, it's already a pattern.

Who Aquifer is for

Two audiences. One platform.

Whether you are a traditional ISO or a vertical SaaS company that has embedded payments, Aquifer is the operational control plane your merchant portfolio needs.

Payment ISOs

You manage a portfolio of merchants across one or more processors. Residual splits, agent hierarchy, boarding workflow, chargeback tracking, and a pipeline that does not live in a spreadsheet.

  • ✓Multi-processor residual import and split
  • ✓Agent hierarchy from ISO down to sub-agent
  • ✓Direct boarding to any processor or PayFac
  • ✓Live chargeback tracking with reason codes
See ISO Features

Vertical SaaS with Embedded Payments

You have added payments to your platform. Your merchants need boarding, your team needs residual tracking, and your operations need a backend that scales beyond 50 merchants.

  • ✓Embedded boarding via your PayFac or processor
  • ✓White-label merchant portal for your platform
  • ✓Portfolio analytics native to your SaaS stack
  • ✓AI-assisted underwriting via Penumbra
See SaaS Integrations
Core Platform

From lead to merchant to residual.

Aquifer handles the full operational lifecycle so your team can focus on growing the portfolio, not managing the tools.

Boarding

AI-Powered Merchant Boarding

Submit boarding applications to any processor or PayFac directly from within Aquifer. Penumbra's AI risk engine scores every application. Average approval in 24 hours.

Residuals

Residual Management and Splits

Import processor statements, define split plans across your agent hierarchy, and auto-compute distributions. Month-end close in hours, not days.

Pipeline

Payment-Native Pipeline

Kanban pipeline built for how ISOs sell. Status tracking, activity feed, notes, calls, document uploads, and MID linkage when a merchant closes.

Agents

Agent Hierarchy and Permissions

Role-based access from org admin to manager to agent to merchant portal. Scale from 5 agents to 500 without losing control of who sees what.

Chargebacks

Chargeback Tracking

Dispute management with due dates, Visa and Mastercard reason codes, evidence tracking, and win rate analytics. Fight the right disputes. Know your exposure.

Analytics

Portfolio Analytics

Real-time volume, effective rates, chargeback ratios, residual run rate, and merchant retention. The numbers your processors don't surface.

View all features
Integrations

90+ connectors. Every processor you work with.

US processors, Canadian processors, ACH rails, healthcare, legal tech, accounting, restaurant POS, property management, and more. Aquifer connects to the ecosystem you already run.

TSYS Fiserv Worldpay NMI Authorize.net Stripe QuickBooks Toast AppFolio +80 more
View all integrations
How It Works

Operational from day one.

No year-long implementation. No professional services dependency. You connect, configure, and run.

1

Connect your processors

Link your processor accounts and import your existing merchant portfolio and agent hierarchy. Residual history imports in minutes.

2

Configure splits and roles

Define your agent hierarchy and residual split plans. Aquifer auto-computes distributions every cycle based on the rules you set.

3

Run your whole portfolio

Board new merchants, track pipeline, manage chargebacks, and watch portfolio analytics in real time. The spreadsheets retire permanently.

Ready to centralize your operations?

Book a conversation and we will map Aquifer to your specific merchant management needs.

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