How the 0030 program works, who it's for, and how to get started.
0030 is white-label embedded payment infrastructure for vertical SaaS platforms and a processing home for ISOs and sales agents. Your brand sits on top; the routing and intelligence run on Penumbra underneath. US and Canada.
Three groups: vertical SaaS platforms that want to embed payments under their own brand; ISOs and sales agents who want their own residual stream and a house processor; and PE firms or operators evaluating a portfolio company's payments stack.
0030 Payments is a brand of Arrowhead Advisory Group LLC, Pensacola, Florida. Processing is delivered through bank-sponsored acquiring infrastructure; all merchant accounts are subject to underwriting review and approval.
Interchange-plus. You see the network's interchange cost and 0030's cost on top, with no tiered black boxes. You set your rate to the merchant, and the spread above the buyrate is yours. Actual margins vary by vertical, card mix, and volume, and we walk through the math before you sign anything.
Start with a conversation. Book a conversation or submit an application, and we'll review your needs, your verticals, and your projected volume, then walk you through boarding. Merchant and ISO applications are both reviewed before boarding.
Broad coverage across most major industries, including restaurants, retail, eCommerce, healthcare, legal, property management, auto, home services, insurance, professional services, and more. If you don't see yours, ask us with your MCC or a short business description.
Yes. 0030 partners get structured industry training and certification through our education partner, Echelon Institute: Embedded Payments 101, ISO Management, Field Sales Mastery, and Building Your Network. (Echelon certifications are proprietary and not accredited by any federal or state authority.)
Card data is tokenized and transmitted over encrypted connections, and transaction processing runs within PCI-compliant infrastructure. We do not store full card numbers on our marketing website.
Payments is a craft, and your team should be sharp at it. Every 0030 partner gets access to structured, certificate-track courses through our education partner, Echelon Institute. From the fundamentals of how money moves to running an ISO and closing in the field.
Echelon certifications are proprietary and not accredited by any federal or state authority.