0030 Payments is a payment processor built for businesses that are tired of hidden fees, bad support, and processors who treat them like account numbers. Cards, ACH, and eCheck with transparent interchange-plus pricing, fast approvals, and real people who answer the phone.
I run a sales org and need a house processor. Get your own residual stream, agent hierarchy, and full CRM integration.
I am embedding payments into a software platform. Use 0030 as your native processor with intelligent routing on top.
I own a business and need better payment rates. Interchange-plus pricing, no hidden fees, approval for verticals most processors decline.
Seven core capabilities that separate 0030 from every other processor your merchants have used.
Transactions automatically directed to the best processor based on type, network, approval rates, and cost. Powered by Penumbra AI.
When a processor has issues, 0030 routes to backup connections without merchant interruption. 99.99% uptime SLA.
Transparent cost-plus pricing. You see exactly what the networks charge and what 0030 adds. No tiered pricing, no bundled surprises.
Every application scored by Penumbra's risk engine. MCC analysis, volume patterns, card-not-present ratios. Faster decisions, better coverage.
Vertical SaaS companies running their payment infrastructure on 0030 and the Arrowhead technology stack.
Bank-sponsored. Multi-processor. AI-routed. The rails that make everything else possible.
Direct BIN/ICA sponsorship for card processing and merchant acquiring across the US.
Multi-processor architecture. Transactions route to the optimal STP based on cost, approval rate, and network health.
Proprietary agentic workforce handles routing decisions, fraud detection, underwriting, and compliance in real time. 12ms latency. 20+ patents pending.