Built for payment ISOs and vertical SaaS platforms running embedded payments. From lead through residual - everything in one system.
Submit boarding applications to any processor or PayFac directly from within Aquifer. Penumbra's AI risk engine scores every application for faster underwriting. Track application status from submitted through approved. Average turnaround: 24 hours.
Every boarding application scored by Penumbra's risk engine. MCC analysis, volume patterns, and identity verification. Faster decisions, better coverage.
Full pipeline management with Kanban board, status tracking, activity feed, notes, call logging, and document uploads. Every prospect tracked from first contact through boarded merchant. Never lose a lead again.
Every call, email, note, and status change logged automatically. Full history on every lead so your team always has context.
Import processor statements, define split plans across your full agent hierarchy, and auto-compute distributions. Multi-tier splits calculated instantly. No more month-end spreadsheet chaos.
Upload processor statements in any format. Aquifer maps the data, reconciles against boarded merchants, and flags discrepancies automatically.
Hierarchical Residual Income Attribution and Distribution System (PPA-002). The split engine that makes everything else possible.
Compare processor billing against published interchange rates at the transaction level. Identify overcharges, downgrades, and billing errors your processor hopes you will never find. Proprietary engine built into Aquifer.
Every transaction compared against the correct interchange category. Overcharges flagged with dollar amounts and evidence for processor disputes.
Full dispute management with due dates, Visa and Mastercard reason codes, evidence tracking, and win rate analytics. Know which chargebacks to fight and which to accept. Track your win rate by merchant, reason code, and processor.
Historical win rates by reason code, merchant, and processor. Data-driven decisions on which disputes are worth fighting.
Role-based access from org admins to managers to agents to merchant portals. Define commission structures, reporting lines, and data visibility at every level. Scale from 5 agents to 500 without losing control or visibility.
Agents see only their merchants. Managers see their team. Admins see everything. Merchant portal gives merchants self-service visibility without ISO-level access.