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Penumbra for Platforms

Embed payment intelligence
into your platform.

Sub-merchant boarding, customer wallets, revenue splits, portfolio analytics, chargeback defense, and an AI decision engine running every transaction in your book. Built for vertical SaaS, marketplaces, and the platforms that move money between them.

Get in touch See what makes ours different
One engine. Two dashboards.

Same intelligence engine.
Two dashboards. Two different jobs.

Penumbra

For the merchant

A single operator running a single business. Volume, approval rates, refunds, settlement, disputes that need attention this week.

Penumbra for Platforms

For the platform

A vertical SaaS or platform operator running hundreds of sub-merchants. Customer wallets, money-flow ledger, revenue splits, customer health, chargebacks across every account.

Inside the console

What your platform dashboard looks like.

Three views from the platform-operator console, in production.

platforms.penumbrahq.com / dashboard / ledger
Live · Demo data
Penumbra for Platforms ledger overview

Money-flow ledger. Total balance, 30-day inflows and outflows, activity trend, settlement calendar with banking holidays surfaced. The question your platform CFO asks first: where is my money today?

platforms.penumbrahq.com / dashboard / portfolio-health
Live · Demo data
Customer health page

Vertical health scoring. Every vertical in your book scored 0 to 100 on approval-rate stability, chargeback ratio, volume drift, at-risk merchant share. Correlation alerts surface clusters no single merchant can see.

platforms.penumbrahq.com / dashboard / portfolio
Live · Demo data
Customer wallets

Every customer, refreshed live. A wallet per customer, with approval rate and chargeback ratio streamed from the underlying processor feed, not nightly batch.

Screenshots captured against the live Penumbra for Platforms production deployment. Demo merchant data shown for illustration.

Built for

Vertical SaaS. Marketplaces.
Multi-brand operators.

Vertical SaaS

Software with embedded payments

Restaurant POS. Wellness booking. Property management. Legal practice management. Your sub-merchants become a portfolio you can actually operate.

Marketplaces

Multi-party money movement

Anywhere money flows between counterparties, Penumbra orchestrates routing, splits, settlement, and disputes. Built for two-sided and multi-sided economies.

Multi-brand operators

One backbone, many brands

One backbone for every brand you operate. Consolidate boarding, ledger, payouts, and analytics without re-platforming each acquisition.

What you actually get

Merchant portfolio management, built into your platform.

Portfolio

Every merchant in your book.

Volume, revenue, approval rate, chargeback ratio. Filter by vertical, geography, processor, lifecycle stage. Real-time, not nightly batch.

Wallets

A wallet per customer.

Every customer that onboards through your platform gets a wallet within seconds of KYC approval. Drill in to see transactions, balances, disputes, payout instructions.

Splits

Revenue splits, automated.

Configure how revenue splits between you, the merchant, and any partner. Reconciled against processor statements. One-click payout release on cycle close.

Onboarding

Lead to first transaction.

Lead scoring, lifecycle tracking, SLA monitoring. Sub-merchant boarding flow is one click; KYC approval starts the wallet automatically.

What makes ours different

AI that runs your book,
not just your transactions.

MCC monitoring

Catch what the processor missed.

Most processors misclassify MCCs at boarding. Wrong category, wrong interchange, sometimes 30-80 bps you didn't agree to pay. Penumbra watches every transaction against your assigned MCC and flags the mismatch in real time. Catching it is the easy part; you fix it once with the processor, and Penumbra keeps watching.

Interchange recovery

Find the money your merchants overpaid.

Identifies missing Level 2 or 3 data, qualifying patterns, and category downgrades. Ranked by annualized savings.

Churn prediction

See merchants leaving before they leave.

Volume trends, approval drift, and competitor-routing detection roll up into a 30-90 day churn probability per merchant.

Conversational portfolio intelligence

Run your book like you're talking to your best analyst.

"Which restaurants had more than five chargebacks last quarter?" "Show me the merchants whose monthly volume is trending against my book average." "Which merchants are paying more interchange than industry benchmark for their MCC?" Type the question. Get the ranked, filtered, exportable answer in seconds. No SQL, no report builder, no analyst on retainer.

Stop running your merchant book on spreadsheets.

If you're a vertical SaaS, marketplace, or multi-brand operator, we'll show you how Penumbra for Platforms looks against your current stack.

Get in touch