PilotOS was not built by a software company that stumbled into payments. It was built by people who spent years inside the industry — onboarding merchants, fighting through underwriting, managing partners, and tracking residuals across a tangle of spreadsheets and portals that never spoke to each other.
Every business needs to take payments, but getting set up, approved and managed is a maze. The companies that guide merchants through it — Independent Sales Organisations — are experts at the relationship, yet they were left running a sophisticated business on generic CRMs and manual processes built for everyone except them.
So we built the platform we always wished we had. One place to run the entire operation: onboarding, risk and underwriting, commissions and residuals, partner management, reporting, and the merchant relationship itself. No more switching between ten tools to do one job.
Today PilotOS is a multi-tenant platform spanning web, native mobile and an open API — built from the ground up around how payments businesses actually work, and built to wear each one’s brand rather than our own.
Ask any ISO how they run the business and you'll hear the same answer: a CRM here, a spreadsheet there, a separate portal for every acquirer, and risk done by checklist. We lived that fragmentation for years — so we replaced it.
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A generic CRM — never built for residuals
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Spreadsheets for commissions & splits
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A different onboarding portal per acquirer
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Risk and underwriting by checklist
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Statement analysis done by hand
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Email, e-sign & proposals in separate tools
One platform.
Onboarding, risk, commissions, partners, reporting and the merchant relationship — in a single place, with one login and one source of truth.
PilotOS brings every part of an ISO's operation onto one platform — from first lead to final residual. Start with a single module or move the whole business across; the platform scales with you.
Sales
CRM, engagement, proposals and performance
Account Management
Onboarding, merchant service and portfolio oversight
Retentions
Attrition signals, save workflows and service recovery
Platform
Tenant controls, permissions, mobile and reporting
Lease & Finance
Funding, residuals, commissions and terminals
Risk & Compliance
Underwriting, screening and decision governance
Communications & Integrations
Conversations, APIs, webhooks and providers
Built by operators, not outsiders
We came up through the ISO world. Every workflow in PilotOS exists because someone on this team needed it and could not find it anywhere else.
One platform, not ten tools
Switching tabs is not a strategy. We replace the scattered stack — CRM, spreadsheets, portals, risk tools — with a single system that actually talks to itself.
Your brand, not ours
PilotOS is built to disappear behind yours. Multi-tenancy and white-labelling are foundations, not add-ons, so the platform always wears your colours.
Risk and compliance, built in
Underwriting, scrubbing and statement analysis are core to the platform — not a bolt-on. The controls payments demands are there from day one.
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Connected business functions
Web · Mobile · API
One connected product
Multi-tenant
Designed for branded operations
UK
Implementation and support team
Review your operating model with our team and see how PilotOS can support your ISO.