White-label payment infrastructure for vertical SaaS platforms and the PE-backed companies that build them. API-connected, fully branded, interchange-plus pricing. You keep 100% above the buyrate. Powered by Penumbra.
Embed payments under your brand. API-connected, white-label checkout, reporting, and merchant management. Own the experience. Keep the margin.
For SaaS →Run your own residual stream. Agent hierarchy, live reporting, and a house processor that routes intelligently so your merchants get better approvals.
For ISOs →Evaluating a portfolio company's payments stack? We benchmark, we advise, and we can operate as the processing layer while you build toward ownership.
Book a Conversation →Most processors hide the margin. We show it. Your rate minus interchange and our cost equals your margin. That's yours, every transaction, every month.
Actual margins vary by vertical, card mix, and volume. We show you the math before you sign anything. No surprises.
Get a margin estimateBoard merchants under your own brand. White-label checkout, merchant portal, reporting dashboard, and residual statements, all under your UI, your colors, your domain. Your merchants think you are the processor. We are the infrastructure underneath.
Your brand end-to-end. Our infrastructure underneath.
Every transaction runs through Penumbra's routing engine, which evaluates cost, approval probability, and processor health in real time. If a processor goes down or approval rates degrade, traffic shifts automatically. Your merchants never see it.
This is also how you benchmark. Run 0030 as a failover processor alongside your existing stack. See the approval rates, the costs, and the routing quality on your own traffic before you commit volume.
Penumbra is Arrowhead's proprietary intelligence platform. Specialized services handle routing, underwriting, fraud detection, and compliance in real time. Every 0030 transaction runs through it.
Every transaction analyzed and routed to the optimal processor for cost, approval probability, and network health. Simultaneously. On every single transaction.
MCC analysis, volume pattern recognition, card-not-present ratios, and behavioral signals scored at boarding and monitored continuously throughout the merchant lifecycle.
Fraud patterns don't wait for batch updates. Penumbra monitors transaction behavior in real time and adapts without human intervention or system downtime.
Payments rewards the people who actually understand it. Every 0030 partner gets access to structured, certificate-track training through our education partner, Echelon Institute. From how money really moves to running an ISO and closing in the field.
Echelon certifications are proprietary and not accredited by any federal or state authority.
Industries that have been underserved by legacy processors are standard coverage here.