Partners

One operating group. Four brands.
One payment stack.

Penumbra is the routing brain inside the Arrowhead Advisory Group portfolio. 0030 Payments is the acquiring arm. Penumbra for Platforms is the white-label surface for vertical SaaS. Echelon Institute is the white-label education infrastructure. Four brands, vertically aligned, each with its own job.

The routing engine

Penumbra

The intelligent payment orchestration platform you're looking at. 272 API endpoints, 40+ decision components, sub-20ms routing. Sits in front of every connected processor and rail. 15 patents pending.

Routing engine Disputes AI Risk scoring Interchange opt

penumbrahq.com →

The white-label surface

Penumbra for Platforms

Embedded Penumbra for vertical SaaS and platform operators. Their merchants onboard under the platform's brand, charges route through Penumbra under the hood. Customer wallets, sub-merchant boarding, revenue splits.

White-label Sub-merchants Customer wallets Revenue splits

platforms.penumbrahq.com →

The acquiring path

0030 Payments

AAG's own acquiring brand. The first PSP Penumbra routes to when a merchant boards directly with us. Powered by the active sponsor relationship; competitive interchange and dispute economics.

Acquiring Sponsor relationship CP & CNP

0030.io →

The education platform

Echelon Institute

White-label education infrastructure. Organizations deliver employee training, partner enablement, customer education, and professional certifications under their own brand. Your learning platform. Your brand. Live in days.

White-label LMS Certifications Partner enablement Customer education

echelon.institute →

How they fit

One engine. Multiple surfaces.

Penumbra is the routing engine at the core. 0030 brings merchants in directly. Penumbra for Platforms lets vertical SaaS embed the routing under their own brand. Echelon Institute is a parallel AAG SaaS that powers white-label education for any organization. Each brand has its own job; together they cover boarding, routing, embed, and education.

Penumbra

The routing engine

routed through · or · embedded by · or · sibling product

0030 Payments

Acquiring path. Brings merchants directly into Penumbra's routing.

Penumbra for Platforms

Embed surface. Vertical SaaS run Penumbra under their own brand.

Echelon Institute

Parallel AAG SaaS. White-label education infrastructure for any org.

Why vertical

The economics of owning the stack.

One P&L, not four

Each layer's margin doesn't get clipped by an outside vendor. The routing fee, the acquiring spread, the platform-fee share, the residual override all stay in one operating group.

One technology stack

Echelon's CRM, 0030's boarding flow, Penumbra's routing engine, PfP's white-label all talk to each other natively. No bolt-on integrations between sister brands.

One source of truth

A merchant boarded by an Echelon rep onto 0030 shows up in PfP's portfolio view automatically. Residual calculation runs once and reconciles everywhere.

One operating group. Four brands.One payment stack.