Every feature built from the ground up on the Arrowhead technology stack. Powered by Penumbra AI. Nothing off the shelf.
Transactions are automatically directed to the best available processor based on transaction type, card network, approval rates, and cost in real time. Powered by Penumbra AI. Routes across 12+ processors. 18-35% interchange savings across the merchant base. If one processor goes down, traffic shifts instantly.
When a processor experiences issues, 0030 automatically routes to a backup connection without merchant interruption. 99.99% uptime SLA backed by multiple active connections running simultaneously. Your merchants never know there was a problem.
Transparent cost-plus pricing. You see exactly what the card networks charge and exactly what 0030 adds on top. No tiered pricing black boxes, no bundled rate surprises, no hidden monthly fees on standard accounts. What you see is what you pay.
Merchants board as sub-merchants under 0030's master MID. Faster approvals, consolidated funding, and simplified compliance without sacrificing underwriting rigor. The infrastructure that makes everything else possible.
RESTful APIs, webhooks, SDKs, and sandbox environments. Integrate 0030 into any platform or software product. Full documentation available to approved partners. Built for SaaS companies embedding payments natively.
Every boarding application is scored by Penumbra's risk engine including MCC analysis, volume patterns, and card-not-present ratios. Delivering faster decisions with better risk coverage. 24-hour average approval turnaround. 200+ verticals supported.
Accept bank transfers and electronic checks natively. WEB, CCD, and PPD NACHA entry types supported. Same-day ACH available for qualifying merchants. Ideal for HOA dues, B2B invoicing, property management, and recurring billing where card fees are not justified. Lower cost, broader acceptance, fewer chargebacks.
West America Bank and Esquire Bank provide direct BIN/ICA sponsorship for card processing and merchant acquiring.
TSYS and Fiserv handle transaction settlement. Multi-processor architecture routes to the optimal STP per transaction.
Proprietary agentic workforce powers routing, fraud detection, underwriting, and compliance. 12ms decision latency. 20+ patents pending.