Penumbra is purpose-built for the organizations that underwrite, route, and settle payments at scale.
Deploy Penumbra across your merchant portfolio to optimize interchange qualification, reduce fraud losses, and automate compliance monitoring. Significantly reduce manual review queues while improving decision accuracy. On-premise and private cloud deployment on roadmap for institutional tier.
Key components: Risk Intelligence, Interchange, Compliance, Merchant Intelligence
Add an AI routing layer on top of your existing processor connections. Penumbra evaluates every transaction against all available paths and selects the optimal route for cost, approval rate, and latency. Automatic failover when processors degrade. White-label API available.
Key components: Routing Intelligence, Fraud Detection, Interchange
Replace manual underwriting workflows with Penumbra's risk intelligence components. Every boarding application scored in real time across MCC analysis, volume patterns, owner identity, and behavioral signals. Ongoing merchant monitoring with risk drift detection and early churn alerts.
Key components: Risk Intelligence, Fraud Detection, Merchant Intelligence, Compliance
Real-time split reconciliation, interchange optimization across your merchant base, and chargeback prediction that lets you act before losses hit. Penumbra turns your portfolio data into actionable intelligence that drives revenue.
Key components: Split Intelligence, Interchange, Chargeback Intelligence
Integrate Penumbra's intelligence APIs into your fintech product. Add intelligent routing, fraud scoring, or interchange optimization as native features of your platform. SOC 2 controls implemented (audit engagement pending), architected to PCI DSS Level 1 (certification pending), and HIPAA-ready infrastructure.
Key components: Full decision engine via API
Building payments into your SaaS product? Penumbra provides the intelligence layer: transaction routing, fraud prevention, compliance automation, and interchange optimization built into your platform from day one via API.
Key components: Routing Intelligence, Fraud Detection, Compliance