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The acquiring brain.

A full agentic acquiring platform. Agents run boarding, underwriting, and monitoring for sponsor banks and the ISOs they back, on one record of the whole program. People make every call.

For sponsor banksFor ISOs
Illustration of a network of merchants, owners, and bank accounts. Bright clusters show merchants joined by a shared owner or account.

One platform for the whole merchant lifecycle. Agents run it.

Prova is pre-launch. The bank and ISO pages say what works today and what comes next.

  1. Boarding

    Agents take the application, chase what is missing, and assemble the file.

  2. Underwriting

    Identity, business, and screening checks run once, and the file reaches a person with the evidence attached.

  3. Monitoring

    Every merchant is checked against the record and the network thresholds every day.

  4. Money

    Residuals, reserves, and processor files tied back to the merchants and decisions behind them.

  5. Oversight

    The sponsor bank sees every ISO's decisions with their evidence, without a report being built.

One record of the whole program. Every merchant, owner, account, and decision, joined.

An illustration with made-up names.

First Harbor BankNorthgate ISOPacific PayHarbor St. CoffeeHarbor St. BakeryDockside GrillPier 9 ToursJ. Marsh, ownerSettlement acct ···4471Closed, chargebacks

Swipe sideways to see the whole graph.

Money movesShared owner or accountWhat a single file never shows
Four merchants, one owner, two ISOs
Each ISO sees its own two merchants. The sponsor bank sees the owner behind all four.
A clean file with a known account
The settlement account on Dockside Grill was last used by a merchant closed for chargebacks. Each file passes on its own. Joined, they do not.
Underwritten once, read by both
The ISO makes the call with the evidence attached. The bank reads the same file and the same reasoning instead of underwriting it again.

Agents do the work. People make the calls.

  • Agents work inside limits each bank and ISO sets.
  • People approve, decline, and sign. An agent never makes the final call on a merchant.
  • Every action an agent takes is written to the same record as the decision.

Boarding agents

Take the application, gather what is missing, run identity and business checks once, and bring the file to a person with the evidence attached.

Monitoring agents

Check every merchant against the record and the network thresholds every day. Hold what looks wrong and say why.

Compliance agents

Keep each decision filed under the policy it was made on, with its evidence and its sign-off.

Between the bank and its ISOs, never in their place.

Never a competitor
Prova never becomes an ISO or an acquirer and never signs a merchant. Visa's rules make that a condition of holding a bank's data. We hold ourselves to it.
Your data stays in your program
Merchant files, owners, bank accounts, and KYB results stay with the bank that owns them. No merchant fact crosses from one bank's program to another's.
Exam-ready as you go
Each decision keeps its evidence, its sign-off, and the policy it was made under. The file an examiner asks for already exists.

Pick your side of the program.

For sponsor banks

See every approval your ISOs make, with its evidence, the day it happens. Start with a backtest on last year's files.

For ISOs

Board and underwrite with agents on the processor you already use, and give your sponsor bank its view without building a report.

Talk to us.

Tell us which side of the program you are on. Corey reads and answers every note.

Email sales@prova.to