Platform
Increase sales throughput and reduce cost-to-serve — without changing your ownership or independence.
Platform Value
The Platform tier is built to do two things for a payment company: increase sales throughput and reduce cost-to-serve — without changing your ownership or independence.
Increase Sales Throughput
It standardises and accelerates the way quotes, comparisons, proposals, and applications are produced, so your team closes faster, with fewer errors and less back-and-forth. This improves conversion, shortens cycle time, and reduces “deal stall” caused by admin, inconsistency, or missing information.
Reduce Cost-to-Serve
It removes the hidden drag that slows every payment company down: repeated internal questions, training overhead, document searching, and reliance on a few senior people to unblock everyone else. Staff get instant, consistent answers and guidance, which reduces interruptions, improves onboarding speed, and lowers support workload.
In short: more deals closed per head, lower operational friction, and a leaner, more scalable cost base as your portfolio grows.
Broker Platform
The Broker Platform is a web-based quoting and proposal engine that compares up to 8 acquirers across online, in-store, and over-the-phone acceptance — using the correct pricing model for each provider.
Available as a standalone web platform (ideal for field sales on iPad/phone) and as an embeddable plugin you can place directly on your own website. From one input, you get a complete output pack: client proposal, datasheets, application-ready details, and revenue sheets — all saved into a structured folder for your client file.
Two ways to run a quote: PSR calculator entry (fast structured input), or upload a merchant statement PDF for auto-review and recommendation.
Acquirer comparison engine
Up to 8 providers compared per quote. Separate logic for online / in-store / MOTO. Uses provider-specific rate tables and terminology mapping.
Statement upload + auto review
Upload single or multi-month PDFs (up to 12 months). Multi-month averaging for more reliable results on larger accounts. Recognises common statement line items and naming conventions.
Pricing model support
Interchange++ and blended pricing supported. Rate/margin overrides: preset and custom configurations. Produces clean “apples-to-apples” outcomes.
Output pack + client file structure
Proposal (client-facing), product datasheets / provider summaries, application dataset (structured details captured), revenue and margin sheets (internal). Save/export into a merchant folder.
Where the Broker Platform Adds Value
Resellers & Partners (white-label distribution)
Embed the platform on your website using plugins and give partners a quoting journey that’s trackable. Every quote can be attributed via a unique reference, enabling reporting, commission logic, and performance visibility.
Internal Sales Teams (speed + consistency)
Standardise quoting across your team and turn reviews into a repeatable workflow. Reduce back-and-forth, remove spreadsheet errors, and produce a consistent proposal pack every time.
Brokers in the Field (mobile-first access)
Run comparisons on-site with merchants using an iPad or phone. Upload statements in real time, produce a proposal immediately, and capture application-ready details while you have the customer.
AI Knowledge
AI Knowledge is your internal “payments brain” for staff. It works like ChatGPT, but it answers using your approved knowledge—so new starters, sales teams, support agents, and operations staff can ask questions and get instant, consistent answers without waiting for a senior person to reply.
- “How much is a WorldPay refund fee?”
- “Which acquirer supports this EPOS integration?”
- “What’s the difference between blended and interchange++?”
- “What terminal is best for this merchant type?”
- “How does onboarding work for MOTO / ecommerce / in-store?”
Valtura AI already includes a growing knowledge database across 8 acquirers, plus practical content covering EPOS integrations, ecommerce, terminals, onboarding, and the most common questions merchants ask. You can also add your own internal processes and house rules—so staff get the same answer every time.
Knowledge-Based AI Assistant (Staff-Facing)
Ask questions in natural language (like ChatGPT). Answers are grounded in your knowledge base (not random internet content). Smart search that understands meaning, not just keywords. Remembers the conversation during a session. Multi-language support (auto-detects language).
Built-in Payments Knowledge
Knowledge database across 8 acquirers (expanding regularly). Coverage: pricing models and statement terminology, onboarding flows and underwriting expectations, terminals and hardware guidance, ecommerce setup and gateways, EPOS integrations and common issues, MOTO / keyed payments and risk questions, common merchant FAQs.
Knowledge Base Management
Create, edit, delete, and search knowledge entries. Organise by categories (acquirer / terminals / EPOS / ecommerce / onboarding etc.). Template knowledge packs for rolling out to new teams/tenants.
Where AI Knowledge Adds Value
New Starter Onboarding
Valtura AI gives new hires an instant “payments coach” they can ask all day without interrupting senior staff. Instead of waiting on Slack replies, they get consistent answers on acquirers, terminals, EPOS, ecommerce, onboarding steps, and common merchant questions—so ramp time drops and confidence increases.
Sales Enablement
When sales needs a fast, accurate answer to close a deal, Valtura AI provides it in seconds. Teams can check acquirer capabilities, integration compatibility, terminal suitability, and onboarding requirements in one place—reducing deal delays and improving consistency in what’s promised to the merchant.
Support Desk Acceleration
Valtura AI helps support teams resolve common issues quickly by providing the right troubleshooting steps and policy answers immediately. It standardises responses across agents, reduces escalations, and cuts the time spent searching docs or asking colleagues for clarity on terminals, integrations, and statement-related questions.
Operations & Onboarding Teams
Valtura AI acts as an internal process reference for onboarding and ops teams—so document requirements, underwriting triggers, exception handling, and setup steps are consistent every time. The result is fewer avoidable errors, less rework, and smoother merchant onboarding across the team.
Partner Commission Reporting
Commission processing is one of the most time-consuming, error-prone tasks in any payment company back office. Manual spreadsheets, reconciliation queries, and partner disputes eat into productive time every month.
Automated Commission Reporting replaces manual calculation and distribution with a transparent, auditable system that processes partner commissions accurately and on time—every cycle.
Automated Processing
Commission calculations run automatically based on agreed terms and live portfolio data. No more manual spreadsheets, copy-paste errors, or last-minute corrections. Every payee gets an accurate, timely statement.
Dispute Reduction
Transparent reporting with full audit trails means partners can see exactly how their commission was calculated. Queries drop significantly when the numbers are clear, consistent, and accessible.
Where Commission Reporting Adds Value
Back Office Efficiency
Free up finance and operations staff from repetitive commission processing. Time previously spent on manual calculations, reconciliation, and partner queries is returned to higher-value activities.
Partner Satisfaction
Accurate, timely commission payments build trust with your partner network. Transparent reporting reduces friction and strengthens commercial relationships—making it easier to attract and retain top-performing agents.
Wholesale Pricing Through Group Procurement
Most payment companies negotiate pricing in isolation. That limits leverage, creates variance in commercials, and makes it harder to compete on certain deals—especially at the margins.
Wholesale Pricing Through Group Procurement is being built to change that by using one simple idea: collective bargaining power.
Key principle: this is optional. You opt in when it benefits you, and you keep your autonomy, pricing strategy, and client relationships.
Group-negotiated wholesale terms
Pricing improvements negotiated at cohort level. Designed to reduce commercial variance between payment companies. Stronger competitiveness on margin-sensitive deals.
Opt-in access per payment company
Participate only when it makes sense for your model. Keep your independent pricing and merchant strategy. No mandatory routing or forced supplier lock-in.
Commercial visibility and benchmarking
Clear view of the wholesale terms available through the group. Benchmarking against typical standalone payment company commercials. Helps identify where group procurement creates immediate uplift.
Standardised operational requirements (where needed)
Some procurement benefits require standardised onboarding/process. Any required standards will be explicit and optional by tier. Designed to improve delivery quality, reduce exceptions, and protect terms.
Where Wholesale Pricing Adds Value
Win margin-sensitive deals without compressing your own economics
Access to improved wholesale terms can let you compete harder on price while protecting GP—especially in verticals where pricing pressure is high.
Increase GP on your existing portfolio through better underlying commercials
Even small wholesale improvements can translate into meaningful GP uplift when applied across a book—without adding headcount or changing your sales motion.
Reduce time spent renegotiating and managing supplier relationships
Instead of each payment company fighting the same battles independently, procurement becomes a shared mechanism—freeing you up to focus on distribution and execution.
Compete with larger payment companies while staying independent
Group procurement gives smaller payment companies access to leverage typically reserved for large portfolios—without requiring them to sell or merge.
Stabilise commercials and reduce volatility across the cohort
Wholesale consistency improves predictability. That supports more reliable pricing, better forecasting, and stronger group performance over time.
Lead Exchange Network
Every payment company has the same problem: leads don’t always match your strengths. Some are too complex, too niche, too time-consuming, or outside your preferred vertical. In a typical model, those leads are either declined, left idle, or converted poorly—meaning wasted opportunity and lower GP.
The Lead Exchange Network fixes that by creating a controlled referral mechanism inside the cohort.
Structured lead referral mechanism
Simple process to refer leads you can’t service efficiently. Routes leads to a better-fit payment company within the cohort. Built for speed, clarity, and accountability.
GP share model (everyone is paid for value)
The receiving payment company manages the sale, onboarding, and ongoing relationship. GP from the merchant is split between the referring payment company and the receiving payment company. Converts “unused leads” into reliable shared GP.
Optional participation with full control
You decide which leads you refer. You decide what you accept. You remain fully independent (brand, client ownership rules, operating model).
Vertical specialist matching
Designed to route leads to payment companies with proven performance in specific verticals. Improves close rate, pricing confidence, and long-term stickiness.
Group-wide performance uplift
Wider effective deal flow without extra marketing spend. More consistent cohort performance as leads are matched to capability. Less volatility from “random lead quality” hitting individual payment companies.
Where the Lead Exchange Adds Value
Turn “non-fit” leads into GP instead of dead ends
When a lead isn’t right for your payment company—wrong vertical, wrong complexity, wrong timing—you don’t lose it. Refer it into the network and still share the long-term GP when the specialist closes it.
Increase conversion by sending leads to the payment company most likely to win
Vertical specialists close more because they know the objections, integrations, and risk profile. The network routes leads to the team with the highest probability of success.
Improve margins and retention through better-fit placements
Better-fit deals mean better pricing confidence, smoother onboarding, fewer early-life issues, and higher retention. That increases GP per merchant over time.
Scale deal flow without scaling cost or headcount
Instead of hiring to cover every vertical, you use the cohort. You stay focused on your strengths while still monetising broader inbound demand—without building a bloated operation.
Keep independence while benefiting from group economics
This isn’t a merger and it isn’t a loss of autonomy. You remain an independent payment company with full control, but you gain access to a structured network that increases GP efficiency across the cohort.
PCI DSS Compliance
Every payment company has the same PCI reality: merchants don’t want to do it, staff don’t want to support it, and it becomes a constant source of friction, tickets, and churn risk.
The FDF model fixes this by separating compliance delivery from your payment company operation.
Dedicated group company delivery
FDF is the delivery arm: structured compliance workflow and merchant support. Payment company doesn’t need to hire PCI specialists internally. Clear separation of responsibilities.
Back book + front book monetisation
Service your existing merchants (back book) and earn recurring commission. Include PCI servicing on new deals (front book) to add incremental revenue per merchant. Converts a historical support burden into paid service.
PCI-qualified credibility
PCIP — PCI Professional Program Certified. PCIM — IBITG Certified. Positioning improves merchant confidence and reduces friction.
Payment company commission model
Ongoing commission paid to the payment company on active merchant subscriptions. Creates predictable monthly revenue independent of new sales cycles. Improves unit economics per boarded merchant.
Reduced operational drag
Fewer inbound PCI questions and “stuck” merchants. Less churn / risk caused by non-compliance confusion. Less time spent firefighting and more time selling and retaining.
Where PCI DSS Compliance Adds Value
Monetise your back book without changing your core model
Most payment companies have an installed base that generates processing GP but also generates compliance friction. With FDF, you can add a recurring compliance revenue layer to that same book—without disrupting how you sell acquiring.
Improve retention by removing the PCI pain point
PCI confusion is a common reason merchants disengage, ignore requirements, or blame the provider/payment company when issues occur. A managed service improves the experience, reduces complaints, and helps keep merchants stable for longer.
Add a clean upsell to every new merchant
On every new deal, PCI can be packaged as a supported service rather than an afterthought. That increases revenue per merchant and reduces the “post-boarding drop-off” that happens when compliance hits late.
Offload PCI workload from your team
Instead of support agents and sales teams answering PCI questions repeatedly, merchants are routed into a dedicated compliance service. That saves internal time and reduces the operational tax that PCI creates at scale.
Strengthen credibility for larger merchants and stricter verticals
As merchant size increases (or risk profile tightens), compliance credibility matters more. Positioning FDF as the delivery partner, with recognised PCI professional certification, helps you win and retain merchants who care about governance.
Want Even More?
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