Run your entire ISO
on one engine.
Price merchants off your real Schedule A cost, send branded proposals in minutes, and keep every agent accountable — without spreadsheets.
No credit card required · Month-to-month · One-off services available
Everything an ISO runs on, in one place
Eight connected modules replace the spreadsheet stack most offices are still running on.
Statement analyzer
AI-assisted parsing, interchange breakdown, junk-fee detection, and a live pricing engine.
Proposal studio
Branded PDFs, live share links, tracked email delivery, equipment and add-on products.
Deal pipeline
Kanban stages with MCC codes, risk tiers, boarding checklists, contacts and tasks.
Schedule A control
Your true floor cost by card brand, enforced with profit guardrails and markup floors.
Commission architect
Splits by MID, agent payout runs, sub-agent tiers and payout statements.
Agent operations
Alert queue with SLAs, broadcast bulletins, 1:1 messaging and a payout leaderboard.
Command center
Portfolio pulse, cohorts, goals, attrition watch and forecast in one executive view.
Support helpdesk
Agents file to your office, your office escalates to the platform — with SLA tracking.
Quote from real cost, not from a gut feeling
Upload one statement or drag in twenty. The engine rebuilds the merchant's effective rate, exposes junk fees, and prices a competitive offer against your own Schedule A floor.
- Bulk upload queue — process a stack of PDFs in the background
- Interchange, assessments and fee breakdown with junk-fee flags
- Interactive markup sliders with live merchant savings and ISO margin
- Duplicate detection so one merchant never becomes two leads
Send a proposal that closes, in minutes
Build a merchant-ready presentation with your logo, savings math, equipment and add-on products — then deliver it as a PDF, a live link, or a tracked email.
- White-label branding: your logo, colors and byline
- Live share link with open tracking, plus one-click PDF
- Equipment and non-processing products pulled from your catalog
- Reusable quote presets so pricing stays consistent across agents
A CRM that speaks payments, not generic sales
Drag deals through your own stages with the fields an ISO actually needs — MCC code, risk tier, boarding checklist, expected residual — and a weighted forecast that reflects reality.
- MCC codes, risk tiers and underwriting status on every deal
- Contacts, tasks, files and activity history per merchant
- Weighted residual forecast with owner assignment and custom KPIs
- Create and send a proposal from any deal card, at any time
Keep every agent aligned and paid correctly
Splits by merchant ID, automated payout runs, and a two-way communication layer so nothing sits in a text thread — alerts, bulletins and 1:1 messages with SLA tracking.
- Per-MID splits with sub-agent tiers and payout statements
- Broadcast bulletins plus one-to-one agent alerts with due dates
- Granular permissions so agents only see their own book
Stay inside the rules, and ahead of attrition
A surcharge and cash-discount rules engine checks every program against card brand caps and state law, while trends and cohorts show which merchants are slipping away.
- 3% cap, debit exclusion and signage requirements checked per merchant
- State-law map including bans in CT, MA and ME
- One-page compliance report you can hand to the merchant
- Attrition watch, cohort retention and goal tracking
Three steps from raw paperwork to signed deal
Load your cost
Upload your processor Schedule A and residual report. ISO Engine turns them into your true floor cost per card brand.
Price and quote
Drop in merchant statements and build competitive offers priced against your true Schedule A floor cost.
Send, track, get paid
Deliver branded proposals, move deals through the pipeline, and run agent payouts from the same numbers.
Sized for the way ISOs actually grow
Boutique ISOs
A handful of agents and a growing book. Get pricing discipline and residual accuracy from day one.
- Statement analysis + proposals
- Schedule A cost control
- Agent splits
Mid-market offices
Ten to a hundred agents. Standardize pricing, watch attrition, and automate payout math.
- Unlimited analyses
- Profit guardrails
- Agent operations queue
Enterprise & white-label
Multiple brands and sub-ISOs. Run everything under your own logo with dedicated support.
- White-label branding
- Access control
- Priority onboarding
Merchant data handled like the sensitive material it is
Organization isolation
Every statement, residual report and deal is scoped to your organization with row-level database policies.
Role-based access
Owner, manager, employee and agent roles with granular permission flags per team member.
Encrypted sensitive data
Sensitive fields are encrypted at rest and never exposed to agents.
Audit trails
Team changes, alerts, exports and deal activity are logged so you can answer 'who did what'.
Breached-password blocking
Passwords are checked against known breach lists at sign-up and at every change, and refused if compromised.
Expiring merchant links
Proposals and statements you share default to a 7-day link with view counts and one-click revoke.
Questions ISOs ask first
Is ISO Engine tied to a specific processor?+
No. You upload your own Schedule A cost tables and residual reports, so the math works with whichever processors and platforms you sell on. Statement analysis is format-driven, not processor-specific.
What happens to the merchant statements we upload?+
Statements are stored against your organization only, and access is scoped by role — agents see their own work, managers see the office. Sensitive fields are encrypted at rest and every export is attributable.
Can agents get their own logins?+
Yes. Invite agents, set granular permissions, assign splits per merchant ID, and they get a dashboard showing only their book, their payouts and their deals.
What is the difference between a subscription and a one-off service?+
A subscription gives your whole team ongoing access to the platform. One-off services are done-for-you or single-use deliverables — a single statement analysis or a Schedule A build-out — with no ongoing commitment.
How long does onboarding take?+
Most offices are live the same day: create the org, upload a Schedule A, invite agents. Portfolio analytics start working as soon as your first residual report is uploaded.
Can we cancel or change plans later?+
Yes. Plans are month-to-month unless you choose annual billing, and you can upgrade, downgrade or cancel from your billing settings at any time.