Everything you need to run a merchant book.
Your book and pipeline, boarding, underwriting, risk, pricing, residuals and margins, for every level of your tree. Money figures are estimates until the processor's statements confirm them.
Start every day with what needs you.
Applications waiting, a possible sanctions match, a disclosure to approve, merchants with rising chargebacks. Then volume, your tree and your residual estimate.
Example data
Your book and pipeline
The book
Volume, active merchants, approvals and declines, and chargebacks, for every level of your tree.
Expanded pilotA boarding pipeline
Draft, submitted, in underwriting, needs info, approved, first payment.
Expanded pilotFunnel measures
Submitted in 24 hours, approved in a day or a week, first payment in two weeks, by channel.
Expanded pilotLive analytics
Volume, card mix, approval rates and chargebacks as they happen, by partner and platform.
Expanded pilotThe analysis tool
Break your book down by partner, merchant, channel, card and month, and save the views you use.
Full launchReports and downloads
Download any list, or get a weekly summary by email.
Expanded pilotBoarding, underwriting and risk
Board merchants
Invite or add merchants, collect applications and documents, and follow each to first payment.
Expanded pilotBoard sub-ISOs
Add sub-ISOs and agents, each with its own account under you.
Expanded pilotChannels as switches
Standard boarding, same-day options and developer platforms are each a switch you turn on or off.
Expanded pilotThe underwriting queue
The platform runs checks and routes alerts. Named people on your team approve, ask for more or decline.
Expanded pilotRisk cases
Holds, reviews and rising chargebacks, worked as cases your team can see. Merchants never see them.
Expanded pilotTwo-person approvals
Closing a sanctions match, switching on a channel or changing a live gate takes two different people.
PilotMoney: pricing, fees, residuals and P&L
Pricing
Merchant pricing above your buy rate, by template and schedule. Your margin is the difference.
Expanded pilotFee events
Every fee each merchant pays, line by line, as the payments happen.
Expanded pilotResidual statements
Monthly, line by line, as estimates until the processor's file confirms them; differences are new lines.
Expanded pilotMargins and P&L
Revenue, buy rate, partner shares and your margin, as a profit and loss for your book.
Expanded pilotStatement match
When the processor's statement arrives, estimates are confirmed, and any difference is its own line.
Expanded pilotThe platform bill
Your bill from Sovara One, LLC for the software, on its own invoice. Never from a deposit.
Expanded pilotSharing, disclosures and access
Sharing with a floor
Each partner shares what it chooses above the minimum you set. Each level sees only what it may.
Expanded pilotDisclosures and the processing line
Your compliance user approves the disclosure merchants see, before it goes live.
PilotAn audit log
Every action, by every person and every assistant, with time and reason.
PilotTeam, roles and two-step sign-in
Roles for owners, underwriters, compliance and analysts. Two-step sign-in for everyone.
Expanded pilotAn API for partners
Everything in the dashboard is in the API, with keys scoped to your level.
Expanded pilotAI assistant
An assistant on a restricted key looks things up and drafts. People decide.
Expanded pilotApplications, as a board.
Your sub-ISOs see where every merchant stands and what is missing. They can send a reminder or upload a document. They never see which check failed, and they never approve.
Example data
Every split, with the math.
Margin times each partner's split, merchant by merchant. Estimated until the processor's file arrives, then confirmed, with any difference as its own line.
Example data