Pioneer is the expert in merchant portfolio management with a focus on bottom line business performance.
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Pioneer has the most sophisticated and comprehensive risk dashboard for flagging merchant issues before they are funded. The risk dashboard applies twenty one customizable variables at both the merchant and transaction level to every authorization, capture, ACH, and dispute. The results are true merchant analytics based on historical merchant activity.
Pioneer’s twenty one different risk variables allow ISOs to customize risk scoring based on the nature of their overall portfolio. Even more, ISOs can customize these risk scores down to the merchant and transaction level. This level of customization allows ISOs to focus on the issues that are the most relevant to their own portfolio, reducing the overall time spent on risk review and increasing the effectiveness of the risk review process.
Pioneer allows ISOs to take control and manage risk on their own terms. ISOs can set merchant-level funding delays to allow additional time for risk review before merchants are funded. ISOs can also customize the length of time chargeback reversals are held before being paid. Greater control over the risk process results in fewer losses and increased profitability.
Timely risk decisions are impossible without immediate visibility into the availability of merchant funds. Pioneer provides a complete accounting of reserves, transactional/batch holds, disputes, as well as ACH Return activity. The dashboard view provides dynamic visibility into these balances customized for each operational area.
As a company created for ISOs by ISOs, Pioneer knows what it takes to manage and mitigate portfolio risk.
Pioneer's platform delivers greater profitability by providing visibility into every revenue and cost item on every processed transaction.
Pioneer incorporates financial accounting best practices to quickly identify and resolve settlement discrepancies.
Real-time reserve management at the merchant level with robust reporting capability. ISOs can seamlessly manage reserve collection and payouts, and provide detailed ledgers to sponsor banks or other third parties.
Fully automated and customizable split funding for payments made to unlimited lenders.
Unlike many financial service companies, Pioneer enables ISOs to manage merchant billing in the way that works best for them within best practices for transparency and accountability.
Pioneer makes it easier for merchant portfolio managers to eliminate costly outside services like statement generation. Cut costs, generate more profits, and focus on sales.
Pioneer puts ISOs in control of how and when merchants are paid, all from one centralized platform.
