ISO in a box

Everything it takes to be an ISO. One package.

Most people who want to run their own shop are not missing the will or the merchants. They are missing sponsorship, a registration, and a back office. Our strategic partners supply all three. You get everything an ISO needs to run, under your own name.

One agreementYour brand end to endYour merchants, portable No per-transaction fee to usNo cut of your residual
Talk about the package Get a quote
What is in the box

Open it.

Every line below is included. Not a base plan with the useful half sold as add-ons, and not a roadmap.

Acquiring

The acquiring side

The part that is not software and cannot be bought off a shelf.

  • Bank sponsorship, so your merchants board on real acquiring relationships
  • Card brand registration, held for you
  • PCI, risk monitoring and the compliance obligations attached to both
  • Interchange-plus cost, with your own rate set above it
  • Several processors rather than one, so a decline is not the end of the deal
  • Routing and failover through the Payment Orchestrator, powered by Penumbra
Front of house

Your brand

Everything a merchant or an agent ever sees carries your name, not ours.

  • A marketing site for your ISO, on your own domain
  • Your logo and colors across the whole platform
  • A merchant portal your customers log into, branded to you
  • AquiferHQSign, so agreements go out and come back under your name
  • Proposals, statements and savings reports that carry your brand
  • Your own email domain on everything the platform sends
One login

The dashboard

The central console. Every module below is in it on day one, not sold separately.

  • Dashboard, with your book, your pipeline and your residual at a glance
  • Merchants, companies, client pipeline, lifecycle and equipment
  • Payments engine, transactions, analytics, settlement and cost
  • Admin, roles, invitations and per-agent permissions
  • An API and webhooks, for whatever you run that we do not
  • Import your existing book at setup
Sales

Getting merchants

The tools that actually win the account.

  • Leads as a board, a lead map by town, and a field mode for the road
  • Contacts and a deals pipeline weighted by probability
  • Statement Analyzer, which turns a PDF into an effective rate and a repriced quote
  • Proposals priced off the writing agent's own Schedule A, with tracked share links
  • Lead sourcing, so the top of the funnel is not only your address book
  • Map a form, to put an intake form anywhere you want one
Operations

Boarding

From signed to a live MID without leaving the platform.

  • An MPA built once per processor, so one lead fills them all
  • Digital boarding on whichever processor that merchant belongs on
  • Applications tracked by stage, with whose move it is on the record
  • Equipment ordered and shipped from the same merchant record
  • Attrition radar on the book you already hold
Revenue

Getting paid

The money side, computed rather than reconciled by hand.

  • Residuals imported from processor statements and reconciled against them
  • Multi-tier splits and overrides across the whole org tree
  • Payroll, with a bank-ready file for the downline
  • Interchange audit, recomputing the category every transaction qualified for
  • Billing, merchant referrals and cash advance
  • No per-transaction fee to us, and no cut of your residual
People

Your team

How you get from one person to an office.

  • An org tree from admin to agent, with a split on every seat
  • A public recruiting link and one-step approval into the tree
  • Referral partners, and a refer-a-merchant programme
  • AquiferHQ University, in-app training powered by Echelon
  • Courses, exams and certifications tracked per agent
Back office

Running it

The things an ISO buys separately and then wires together badly.

  • A help desk with tickets, an SLA and a knowledge base you maintain
  • A softphone with click to call, voicemail, recordings and scripts
  • An inbox that files processor mail on its own
  • Calendar, documents, tasks, projects and a time clock
  • Disputes, with a chargeback fighter that drafts the rebuttal
How it works

Four steps, and the first is yours.

01Tell us about your book

What you write today, where it processes, how many agents you carry and what you want your shop to be called.

02The acquiring side gets set up

Sponsorship and the card brand registration are arranged for you, with the compliance and risk obligations that come attached to them.

03Your brand goes on the platform

Your logo, your colors and your own domain across the platform, the merchant portal and every document that leaves it.

04You go sell

The part nobody can do for you. Everything behind it is already standing when your first application goes in.

Who it is for

Four ways people arrive at this.

A person working alone at a laptop in a home workspace
An agent going independent

You write merchants under somebody else's paper today and keep a slice of your own production. This is the version where the paper is yours.

Two people working together at a table in a bright open-plan office
An office that outgrew its ISO

You have agents, a book and a downline, and you are running the whole thing out of spreadsheets and a processor portal that was never built for you.

Two developers at monitors with code on screen
A software platform adding payments

Your customers already run their business in your product. Payments becomes a line of your revenue instead of somebody else's.

An empty open-plan office with desks and chairs waiting to be filled
Somebody starting from nothing

No registration, no bank, no platform, no agents. The package is the whole of it, and the academy trains the people you hire.

Run your ISO under your own name.

Let's talk See the platform