Three companies forming the complete payments infrastructure layer: processing and acquiring, intelligent routing and security, and the distribution network to deploy it all. Each feeds the next. The data compounds. The moat deepens.
PayFac-as-a-Service for ISOs and their merchants. 0030 handles card processing, ACH and eCheck, merchant underwriting, and multi-processor routing. Interchange-plus pricing with full transparency. Coverage across the US and Canada with 200+ supported verticals.
0030 is the revenue engine of the Arrowhead portfolio. Every transaction processed flows through the stack, generating data that feeds Penumbra's intelligence layer and revenue that funds continued development across the ecosystem.
Intelligent multi-processor routing across 12+ processors. Real-time residual reporting. Agent hierarchy automation. 24-hour approval turnaround. PayFac sub-merchant architecture. ISO-grade CRM integration via Aquifer.
US and Canada. 200+ merchant verticals. Standard and specialized acquiring. Interchange-plus and tiered pricing models.
The intelligence layer of the Arrowhead stack. Penumbra is an agentic workforce that powers real-time payment routing, fraud detection, compliance automation, and interchange optimization. It sits between merchants, ISOs, and processors, using proprietary AI to route each transaction to the optimal processor based on cost, approval probability, and processor health.
40+ specialized AI agents operating in parallel across fraud, risk, interchange, compliance, routing, chargeback, merchant onboarding, and residual attribution domains. All built in-house, nothing off the shelf. 20+ patents pending covering the core routing and decisioning IP.
40+ specialized AI agents deployed in production and growing. Domains include fraud detection, risk scoring, interchange optimization, compliance monitoring, chargeback prediction, biometric authentication, and real-time routing decisions. Average decision latency: 12 milliseconds.
SOC 2 Type II ready. PCI DSS Level 1 compliant. HIPAA-ready infrastructure. Token vault, session management, and API security for SaaS platforms handling embedded payments. Built for high-compliance payment environments.
The distribution engine for the entire Arrowhead ecosystem. Echelon recruits, trains, certifies, and deploys independent sales professionals across fintech, insurance, securities, and business funding verticals. This is not a traditional sales organization. It is a 1099 distribution network where professionals own their residual book permanently.
Echelon feeds the entire ecosystem with trained, certified professionals who sell 0030 payment products, use Penumbra-powered tools, and build lasting merchant relationships that generate recurring revenue across the portfolio.
Three-tier progression: Scout (referral-based entry), Agent (full sales cycle with permanent residual ownership), and Principal (network building with overrides). No quota resets. Permanent residual ownership. Income stacking across multiple product lines.
Product certifications across 0030 and Penumbra platforms. Financial licensing tracks including CMSA, P&C Insurance, Life and Health, and Series 65/66. Online credentialing with integrated deployment pipeline. Patent pending on the training-to-deployment system.