Real workflows from the platform, running the way your team runs them. Drop a statement, price a proposal off the agent's own buy rates, and watch the engine pay for itself.
Drop a merchant statement and AquiferHQ parses the real interchange, assessments, and markup, flags the downgrades and junk fees your prospect never noticed, and turns it into a savings story you can close on.
Not a generic rate. Every proposal is priced off the writing agent's own buy rates with the ISO, so the savings are real and the residual math is right. Build it, compare today versus proposed, and send.
Once a merchant is on the engine, AquiferHQ shows exactly what it did and what it saved: declines recovered, charges routed to a lower-cost processor, chargebacks defended. You see the savings first, then pay a fraction of them.
AquiferHQ recomputes the correct interchange category for every transaction and compares it against what the processor actually billed, so you can dispute the downgrades with evidence in hand.
Every chargeback is scored for win probability, then AquiferHQ drafts the rebuttal with the evidence that actually moves the reason code. Free to draft; you only pay a fee on the ones you win.
Drop your processor's residual report and AquiferHQ recomputes what every MID should have paid at your buy rate, flagging underpayments, missing MIDs, and rate drift so you can claw it back.
Forty-plus modules across sales, boarding, money, risk, team, and the back office. Open any section to see what is inside. And your agents never face it cold: AquiferHQ University below walks them through all of it.
Fill the pipeline and close.
6 modulesWork leads as a list, cards, or a Kanban board. Status chips, a lead-flow chart, an owner leaderboard, and a per-lead drawer with stage moves and quick actions.
Every relationship and open opportunity in one place, with full history, linked records, and create or export controls.
Build a quote with a live savings calculator priced off each agent's buy rates, then convert a winner straight into an application.
Drop in a merchant statement, a processor CSV, or just their volume. AquiferHQ surfaces the real interchange, assessments, and markup, flags downgrades and junk fees, and turns it into a pitch in seconds.
Program comparison, surcharge and zero-cost compliance, an upsell recommender, and residual and commission math. Everything recalculates live as you type.
A board or table of every merchant you are boarding, with per-stage KPIs and one-click advance through the workflow.
From lead to a live merchant.
6 modulesA guided MPA wizard walks every step. The app builder lets you import each processor's application once, map the fields, and board on it digitally from then on. Import once, board forever.
Your whole portfolio in one searchable table, with an Attrition Radar tab that scores churn risk so you can save merchants before they leave.
Roll multiple locations up under one parent company to see total volume and residual at a glance, then drill into each MID.
Every merchant's stage from lead to active, with a callout for anyone stuck in underwriting so nothing falls through the cracks.
Order POS hardware for a merchant and track it from ordered to shipped to delivered to activated.
A customizable dashboard your merchants see of their own account: volume, fees, statements, savings, and support, all under your brand.
Get paid, and pay your team.
6 modulesEarnings by merchant and processor, owner or agent view, with statement import and per-variance dispute. Catch underpayments, rate drift, and missing MIDs.
See how each merchant's residual is divided across your full agent hierarchy, with a builder whose validator makes sure every split totals 100%.
Pay your downline off after-split residuals: run a period, review each statement, and export the bank file. AquiferHQ never moves money or stores bank credentials.
Where money lands, per-PSP cost decomposition, routing-optimization recommendations, and a CFO-grade P&L with blended take rate.
Invoices, recurring plans, and customer records, with receipt downloads and a per-customer drill-down.
Upload the residual report from your processor and AquiferHQ reconciles it line by line, so you stop leaving money on the table at month end.
Connect a merchant to the Payment Orchestrator, powered by Penumbra, and AquiferHQ shows the orchestration cockpit. When you sell the engine you are not selling a rate; you are selling more approvals and fewer lost sales.
See what your processor won't.
4 modulesDispute management with reason codes, win-rate analytics by code and merchant, and a per-case workflow that drafts the rebuttal letter for you to review and submit.
Transactions, batches, funding, and disputes in one view, with time-window KPIs and search.
Portfolio health by vertical and per-merchant intelligence: engine-saved value, conversion funnel, and decline heatmaps.
Compare processor billing against the correct interchange categories to identify overcharges and downgrades, with evidence for disputes.
Build the org, grow the book.
4 modulesRole-based access from org admin to manager to agent to merchant portal, shown as an org tree. Scale from 5 agents to 500 without losing control of who sees what.
A public sign-up link to recruit agents, a pending-applications queue, and one-step approval that sets each new agent's split and reporting line.
Track outside partners such as accountants, lenders, and web designers who refer merchants and earn a finder's fee, with unique links and attribution.
Let a boarded merchant refer another business and earn a reward once it boards, with approval and payout tracking.
The back office, built in.
6 modulesA full softphone with power dialer, an inbox that auto-files incoming processor mail, and team plus merchant chat, all in one hub.
A shared calendar, a task list or board, a project board, and a simple time clock so the whole team runs from one place.
A ticket queue you can work end to end, plus a searchable knowledge base and customer-docs library.
CSV exports, ABA routing lookup, print-ready mailing labels, an equipment-vendor directory, and import history.
An immutable trail of who did what, with before-and-after detail, plus the active logins on your workspace.
Your name, colors, and logo across the whole workspace and the merchant portal, plus onboarding wizards, processors and fee schedules, roles, and in-app training. Your team and merchants see your brand, not ours.
AquiferHQ University is the built-in education system for your ISO's agents: guided walkthroughs of every module, merchant-services sales courses, exams, and certifications, powered by Echelon. A new agent goes from signup to writing deals without eating a manager's week, and it all runs under your brand, not ours.
Book a conversation and we will map AquiferHQ to how your team actually runs, module by module.