Tools

The tools that sell.

Not a CRM with payments bolted on the side. These are the ones that win the account, price it and keep it.

Two ways to connect Get a quote
One platform, every tool
A statement becomes a pitch.

Drop the PDF in. The real interchange, assessments and markup come back parsed.

app.aquiferhq.io/tools/analyzer
Statement Analyzer in AquiferHQ
app.aquiferhq.io/leadmap
The Lead map inside AquiferHQ: leads plotted and colour-coded by stage, with the stage counts above the map and the lead list beside it
app.aquiferhq.io/deals
Deals in AquiferHQ
app.aquiferhq.io/equipment
Equipment in AquiferHQ
app.aquiferhq.io/residuals
Residuals in AquiferHQ
app.aquiferhq.io/splits
Splits in AquiferHQ
app.aquiferhq.io/support
Help desk in AquiferHQ
app.aquiferhq.io/phone
Phone & dialer in AquiferHQ
app.aquiferhq.io/calendar
Calendar in AquiferHQ
Proposal generator

Priced off your paper, not a rate card.

The writing agent's own Schedule A sets the numbers, so the savings the merchant sees and the residual you book are the same arithmetic. Send it as a tracked link and watch it get opened.

  • Interchange-plus quoted against their current effective rate
  • Savings shown per month, per year and over three years
  • Tracked share link, so you know when it was read
Proposal · Blue Agave CantinaOpened
Current effective rate3.18%
On your Schedule A2.03%
Merchant saves$6,684/yr
Your residual$418/mo
Link opened twice · last 20 minutes ago
AquiferHQSign

Signed under your name, not ours.

Send the agreement, see who opened it, get it back executed. Your logo on the envelope, your domain in the link, and the certificate and audit trail stored on the merchant record.

  • Your brand end to end; no third-party signing name in the deal
  • Reminders and expiry you set, per envelope
  • Certificate and full audit trail on the record
Merchant AgreementSigned
Sent
Viewed
Signed
Maria Alvarez · Owner11:02am
Jordan Ellis · Agent11:14am
Maria Alvarez
Certificate stored · sent from yourbrand.com
MPA & app builder

One application, any processor.

Build the merchant application once and it boards digitally on whichever processor that merchant belongs on. The fields each processor needs are already mapped; you fill the deal, not the form.

  • Guided application with the processor's own required fields
  • Digital boarding on the agreements you already hold
  • Status back on the record, not in somebody's inbox
MPA · Harbor CoffeeFiserv
Legal nameHarbor Coffee Co.
MCC5812
Monthly volume$48,000
Average ticket$18.40
Built
Submitted
Underwritten
MID
Approved in 2 business days
Chargeback fighter

The rebuttal, written before the deadline.

It reads the reason code, assembles the compelling evidence the network actually asks for, drafts the rebuttal and tracks the response window. You approve it; nobody has to remember the date.

  • Evidence matched to the reason code, not a generic packet
  • Response window tracked, with the deadline on the record
  • Every outcome written back against the merchant
Dispute #44716 days left
Reason code10.4 · Other fraud
Amount914.00
AVS and CVV match
Prior undisputed history
Signed terms at checkout
Rebuttal drafted · awaiting your approval
Interchange audit

Recomputed, category by category.

Every transaction is re-rated against the category it actually qualified for and compared with what the processor billed. The gap is the downgrade nobody names on a statement.

  • The correct category recomputed for every transaction
  • Billed against qualified, with the delta in dollars
  • Exportable, so it can go back to the processor
Interchange auditLast period
CategoryBilledCorrect
CPS Retail1.51%1.51%
EIRF downgrade2.30%1.65%
Standard2.95%1.80%
$412 billed above the qualified category
Org tree & recruiting

Admin to agent, one hierarchy.

Every agent sits somewhere in one tree with their own split and their own overrides. A public recruiting link brings the next one in, and one approval puts them under the right person.

  • Splits and overrides set per agent, per merchant or per processor
  • A public recruiting link you can hand out
  • One-step approval, straight into the tree
Org tree11 agents
MRMarcus ReedHouse
EVElena Vasquez62%
JEJordan Ellis50%
PSPriya Sharma65%
SLSophia Lin50%
1 application waiting on approval
Merchant portal

A portal your merchants log into.

Statements, deposits, disputes and their own savings report, under your brand and on your domain. Nothing a merchant sees says AquiferHQ, because nothing a merchant sees is supposed to.

  • Your logo, your colors, your own custom domain
  • Statements and deposits they can pull themselves
  • A branded savings report you can send
Blue Agave CantinaYour brand
Deposited this month46,958
Next depositTomorrow
May statementDownload
Open disputes0
portal.yourbrand.com
AquiferHQ University

New agents productive faster.

Courses, exams and certifications built into the dashboard, so a new writer learns the business inside the tool they are going to use rather than from a PDF nobody opens.

  • Courses and exams in the dashboard, not a separate login
  • Certifications tracked against each agent
  • Powered by Echelon
Academy4 enrolled
Interchange fundamentals100%
Reading a statement78%
Boarding and underwriting45%
2 agents certified this month
Two ways to connect

Bring your own, or resell white-label.

However you get to a processor, AquiferHQ runs the operations on top.

Bring your own account

Connect the relationships you already hold.

You have the processor agreements. AquiferHQ connects to them, imports your book, and runs boarding, residuals, and disputes on top.

  • Import statements and reconcile residuals automatically
  • Board digitally on any processor you already work with
  • Keep your economics; no per-transaction fee, no residual cut
Your paper, your pricing, your merchant relationships. Unchanged.
Resell white-label

Run the whole stack under your own brand.

AquiferHQ white-labels to your brand end to end, so your agents and merchants see you.

  • Your logo, colors, and domain across the merchant portal
  • Smart routing, failover, and decline recovery built in
  • One control plane for boarding, disputes, and residual attribution
The Payment Orchestrator underneath is powered by Penumbra.

Don't see what you run? The API and PDF-import framework can ingest most processors and platforms with custom connector work. Tell us your stack and we will scope it.

Run your ISO under your own name.

Let's talk See the platform