The Tuesday afternoon every ISO owner recognises
A merchant emails over last month’s card statement and asks what you can do. One of your agents opens it, opens a spreadsheet, opens a calculator, and starts typing. Forty minutes later there is a number, and a proposal to build around it. By the time it goes out, a faster competitor has already been and gone.
At month end the same team opens a different spreadsheet: the residual files from each acquirer, in each acquirer’s own layout, reconciled by hand so the sub-partners can be paid. Somewhere in between, the most experienced person in the building answers the same forty questions from the rest of the team, and a merchant rings to complain about a PCI fee nobody can quite explain.
None of that is unusual. It is how most UK ISOs run. It is how ours ran.
Why we built it ourselves
Valtura came out of NexPay, the merchant-services business I founded in Plymouth. Our frustration was specific: quoting took far too long and the process was rough at every step. A merchant’s statement had to be read line by line, the fees re-keyed into a sheet that only one person really trusted, the comparison against providers redone every time, and the proposal assembled by hand. Every quote was slow, every quote was slightly different, and the ones we lost were usually lost on speed rather than price.
So we built the thing we wished we could buy: a system that reads the statement, prices it against the providers we work with, and produces a proposal a merchant can open and accept in their browser. Then we kept going, because once quoting was on one system it was obvious that boarding, residuals, terminals and PCI belonged on the same merchant record. Today the whole of NexPay runs on it.
From today, any UK ISO can run on it too.
What is live today
The platform follows the shape of a deal: win it, board it, manage it. Each phase is a module you switch on; every module works off the same merchant record, so nothing is re-keyed on a handover.
Win
Broker — quoting and proposals. Upload a merchant’s statement and the platform reads the volumes and fees, prices the merchant against your rate cards, and shows the saving against their current provider. The output is a branded, hosted proposal with self-serve accept and follow-ups that stop the moment the merchant signs. A team of twenty agents quoting ten merchants a month typically gets back around 190 hours a month.
Knowledge AI. A source-backed assistant trained on your own documents and the platform’s payments knowledge, so the team answers its own questions instead of interrupting the senior people. A ten-person team typically saves around 133 hours a month.
Board
Onboarding. One boarding workflow across the major acquirers: guided application forms, document collection, status tracking and generated application packs. The accepted proposal hands straight into it.
Terminals. Inventory, visibility and analytics for the terminal estate — which merchant has which device, on which acquirer.
Manage
Commission Reporting. A partner register, MID assignments, a payaway flow and branded statements, fed by the residual files from Elavon, Worldpay, AIB, Cardstream and Clover rather than by hand. The month-end spreadsheet goes: around 12.5 hours a month and £3,750 a year for a typical ISO.
PCI Revenue. PCI compliance becomes a managed referral programme delivered with our group partner Fraud Defence First, so a fee your merchants resent turns into a service they value and a recurring line for you. A 500-merchant book with a quarter non-compliant typically generates £6,250 or more a year.
Underneath all of it: UK data residency, acquirer credentials encrypted at rest, two-factor sign-in, tenant isolation enforced in the data layer, and GDPR export and erasure per contact. The detail is on the Security & Trust page.
What it is not, yet
We would rather you knew now than found out in the trial. CRM, email campaigns, lead generation, partner links and embedded quoting are all built and running for our founding partners, and they are not switched on for new workspaces until they clear general release. They are listed honestly on the roadmap, and nothing on this site describes them as available today.
For ISOs
UK payment ISOs that quote merchants from their statements and place them across more than one acquirer or provider. Owners who want the month end to stop being a spreadsheet; sales directors who want quotes out in minutes and proposals that report back; operations managers who want boarding, terminals and PCI on the same record as the deal.
The trial is thirty days, no card, nothing to install. Import demo data on day one so you can see every module working, then take one of your own statements all the way to an accepted proposal. If you walk away inside the trial, you owe nothing and we keep nothing.
For acquirers
If ISOs sell for you, the platform is the system your channel runs on — and that changes what you can see. Quoting, proposals, boarding and residual reporting happen in one audited place instead of the spreadsheets and inboxes you cannot see today. Merchants move from statement to boarded account faster, so volume lands on your book sooner; every ISO on the platform prices from the same rate cards, so the pricing on your book is consistent; and residuals flow through a register rather than a spreadsheet, so the money is right and the audit trail is there when someone asks.
We show acquirers the platform properly rather than on a slide: a workspace in your own colours, set up for you, where you load the demo data, upload a statement and take it through to a proposal yourself. It comes with a straightforward confidentiality agreement, and it costs nothing. Book a demo and say you are an acquirer; we reply within one working day.
Where to start
ISOs: start the 30-day trial or book a guided demo and we will walk through it on your numbers. Acquirers: book a demo and we will set your workspace up.
We built this because we needed it. I hope it is as useful to your business as it has been to ours.