Your assessment surfaced three operational realities that every ISO at your scale lives with: stale or duplicated CRM data, too many manual handoffs, and the absence of a consistent automated outreach and follow-up process — including how documents are created, shared, and stored. Phase 1 builds one intelligence hub that runs seven agents against exactly those three surfaces — merchant boarding packet assembly for hard-to-place accounts, residual reconciliation across every sponsor bank and processor, and the lead-to-boarded outreach layer that currently dies in inboxes. Live in 30 days. Phase 2 activates the compliance & partner intelligence layer — on the same 30-day rhythm — continuous KYB/BSA-AML re-screening on your active book, sponsor bank liaison, and channel partner nurture. You commit one phase at a time. The work earns the next conversation — or it doesn't.
You named it in three places in the assessment — Data entry / CRM hygiene as the top bottleneck, Stale or duplicated CRM data and Too many manual handoffs as the pain points, and the one thing AI could fix: "Lack of a consistent, automated outreach and follow-up process, including how documents are created, shared and stored." Read as an ISO operator, that's three specific surfaces — merchant boarding packet lifecycle, residual data scattered across sponsor banks and processors, and the outreach layer that loses merchants between first contact and boarded status. Phase 1 builds seven agents against those three surfaces: one intelligence hub, one deployment, one place to look. Phase 2 activates the compliance & partner intelligence layer — continuous BSA-AML and KYB re-screening on the active book, sponsor bank liaison, and the channel nurture layer that grows the referral side of the business.
How the platform earns its keep. An ISO lives and dies on three things: how fast a merchant gets boarded, how accurately residuals reconcile across sponsor banks and processors, and how many referral relationships stay warm. Seven agents. One hub. Merchant applications move from first contact to boarded without the packet dying in an inbox. Residuals reconcile without the month-end spreadsheet. Channel partners stay current without anyone remembering to send the touch. One deployment. One place to look.
12 agents across two phases. Phase 1 runs the ISO operator's day — boarding, residuals, and outreach. Phase 2 activates the compliance & partner intelligence layer that scales the active book and grows the referral side.
On data handling. Every integration point, sponsor bank portal, processor connection, and credential model is mapped jointly during engagement kickoff. You control what flows in and what stays walled off. We build to your specification under MSA, with the same discretion your book already requires.
On data access — the methodology, not the magic. Residual data, boarding status, and sponsor-side information reach the hub through one of four paths, mapped per source during Week 1 discovery: direct API where the sponsor or processor offers one, scheduled SFTP file drops where they’re in place, monitored email intake where statements arrive as PDF or CSV, or operator-assisted pulls for portals that require MFA or prohibit automation. The first three run fully autonomously. The fourth still removes the attribution, reconciliation, filing, and reporting work that follows — the human step is the login click, not the spreadsheet after it. Every active sponsor and processor gets mapped to its cleanest available path on day one, before a single line of build code is written.
Mission control for the desk. Live boarding pipeline, residual reconciliation status, sponsor queue health, and outreach cadence — one workspace, all 12 agents, continuous visibility.
Two phases, transparent pricing. Phase 1 builds the seven-agent operations hub and proves it against your active book. Phase 2 activates the compliance and channel intelligence layer. You commit to one phase at a time — Phase 2 only engages when Phase 1 has earned it.
Scoped pilot by design. Total engagement capped at $110,000 across two phases. Phase 1 at $65K builds and proves the operational stack in 30 days. Phase 2 at $45K activates the compliance and channel layer on the same 30-day rhythm — but only when you approve it. No bundled pricing, no retainer, no lock-in. The platform earns the next phase — or it doesn't.
The math, stated plainly. Every agent absorbs a specific hour profile — conservative, defensible, derived from your assessment and from how a payments shop serving hard-to-place merchants actually spends its week. Blended principal-rate held at $150/hr.
What a 30-day Phase 1 launch looks like for an ISO of your shape. The full statement of work expands every milestone — deliverables, acceptance criteria, team responsibilities, and sponsor bank integration checkpoints.
A 30-minute working session to confirm scope, walk through your sponsor bank and processor stack, and lock Phase 1 boundaries before the Master Service Agreement. MSA follows within 3 business days of the session.