White-label · 40+ features · Instant statement analyzer · Power your brand

The operating system for payments professionals.

Your brand, your business, our software. AquiferHQ white-labels the entire platform so you run and grow your ISO under your own name: board merchants, split residuals, fight chargebacks, and route smarter, all from one login. From lead to residual, no spreadsheets.

Let's talk See the platform
Your whole stack. Every processor you work with, plus the Payment Orchestrator.
app.aquiferhq.io
AquiferHQ dashboard — the book at a glance Sales — leads, pipeline and conversion Clients — the whole merchant book Payments Engine — smart routing and decline recovery Revenue — residuals reconciled to the basis point
40+
Modules, one login
20+
Processor & tool connectors
1 → 500
Agents, same control
$0
Per-transaction fees. No residual cut.
See it in action

A statement becomes a pitch in seconds.

Drop a merchant statement and AquiferHQ parses the real interchange, assessments, and markup, flags the downgrades and junk fees, and turns it into a savings story you can close on. This is one of dozens of tools inside the platform.

AI parseDowngrade flagsSavings audit
See all the tools
Statement AnalyzerReading statement…
Volume
$48,500
Txns
1,240
Effective
3.18%
Where their fees go · $1,542/mo
Interchange $924Assessments $88Markup $530
Non-qualified surcharge$182
Misqualified AmEx OptBlue$61
PCI non-compliance fee$39.95
Avoidable fees
$283
Effective rate
3.18% → 2.03%
Keeps / mo
$418
The platform

From lead to merchant to residual.

Everything an ISO runs in a day, in one system. No more stitching a generic CRM to a stack of spreadsheets.

01
Sales & pipeline
Leads as a board, contacts and deals, savings proposals, and the Statement Analyzer that turns any statement into a pitch in seconds.
LeadsProposalsAnalyzer
02
Boarding & merchants
A guided MPA wizard and an app builder that boards on any processor digitally, plus your whole book with an attrition radar.
MPA builderLifecycleAttrition
03
Residuals, splits & payroll
Import statements, auto-compute multi-tier splits, and reconcile every check to catch what you are owed. Pay the downline with a bank-ready file.
ReconcileSplitsPayroll
04
Risk & intelligence
An AI chargeback fighter that drafts rebuttals, transaction and funding views, an interchange audit, and portfolio analytics your processor will not show you.
DisputesInterchangeAnalytics
05
Team & growth
An org tree from admin to agent, a public recruiting link with one-step approval, referral partners, and a refer-a-merchant program.
HierarchyRecruitingReferrals
06
Run the business
A softphone, an inbox that auto-files processor mail, chat, a calendar and tasks, a help desk, and full white-label so your team sees your brand.
CommsOfficeWhite-label
Explore every feature
Powered by Penumbra

Sell more approvals. Not just a rate.

Connect a merchant to the Payment Orchestrator and AquiferHQ routes every charge for the best chance of approval, fails over across processors, and recovers declines automatically.

Explore the engine
Smart routing · live decisionapproved
Fiservrouted · 24ms
TSYSfailover
Worldpaystandby
+3.4%
approval lift
1,910
declines recovered
Multi-PSP
failover routing
See your whole book

The numbers your processors don't surface.

Approvals, residual trend, where the fees go, and your top merchants. Live, in one place.

Approval healththis month
92.5%
approved · ▲ 1.2 pts vs last month
Residual trend6 mo
Top merchantsby residual
CCCoastline Coffee$8,240
VVVerde Vineyards$6,110
MSMojave Smokehouse$5,780
ADAspen Dental Arts$4,930
Where the fees goeffective 2.66%
Interchange$2,340
Assessments$610
Processor markup$827
Interchange and assessments are set by the card brands. AquiferHQ flags the markup and downgrades your processor hopes you never find.
Pipelineby stage
Submitted6
Underwriting4
Boarding3
Integrations

Connects to the ecosystem you already run.

FiservTSYSElavonNMIAuthorize.netWorldpayNuveiBancardQuickBooksXeroCloverSquareShopifyAppFolioAquiferHQSignCalendlyand more FiservTSYSElavonNMIAuthorize.netWorldpayNuveiBancardQuickBooksXeroCloverSquareShopifyAppFolioAquiferHQSignCalendlyand more
Browse all integrations
Who it is for

Two audiences. One platform.

Whether you board merchants the traditional way or run payments inside your own software, AquiferHQ is the CRM and operations layer for your portfolio. The payment orchestration underneath runs on Penumbra.

For payment ISOs

Run your whole book from one screen.

Stop running the business on residual spreadsheets and email boarding threads.

  • Board, split, and pay across your full agent hierarchy
  • Reconcile every processor statement automatically
  • White-label the merchant portal to your brand
For embedded platforms

Run the merchant operations behind your payments.

You added payments to your software. AquiferHQ is the CRM and back office for the merchants behind them, onboarding through residuals.

  • Merchant onboarding, disputes, and residual attribution
  • Approvals and recovery through the Penumbra engine
  • One book of business, analytics across every merchant
How it works

Operational from day one.

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

1

Connect your processors

Link your accounts and import your merchant portfolio, agent hierarchy, and residual history in minutes.

2

Configure splits and roles

Set your hierarchy and split plans. AquiferHQ auto-computes distributions every cycle from the rules you set.

3

Run the whole portfolio

Board, track pipeline, fight chargebacks, and watch analytics in real time. The spreadsheets retire for good.

Pricing

Plans that scale with you.

Every plan includes the full platform. Start solo, grow to 500 agents.

Solo1 user$99/mo
Standard1–3 users$299/mo
Business Popular4–10 users$599/mo
Professional11–50 users$999/mo
Enterprise51–100 users$1999/mo
First month free on monthly plans. Save 15% when you prepay annually.
See full pricing

Retire the spreadsheets.

Book a conversation and we will map AquiferHQ to how your team actually runs.

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