The all-in-one platform engineered specifically for merchant acquirers, payment processors, ISOs, and sales agents. Manage merchant applications, submit directly to your underwriting partners, and resolve tickets—all sharing one synchronized database.
Direct Boarding & Instant Sync
100% Automated Excel Reconciliation
| App ID | Merchant / DBA | Terminal / Plan | Status |
|---|---|---|---|
| #1042 | Global Logistics LLC DBA: FastFreight |
Clover Flex (Wireless) | Approved |
| #1043 | Cafe Vista Corp DBA: Vista Coffee |
Clover Station Duo | Pending Review |
| #1044 | Apex Dental Care DBA: Apex Health |
Virtual Terminal + Gateway | Fiserv Transmit |
Our unified architecture replaces fragmented spreadsheets and legacy portals with measurable velocity across your back-office.
Information entered in one module is immediately live across all three. No duplicate data entry, no API bridges to maintain.
Turn tedious multi-day merchant applications into a 2-hour digital experience. Whether self-service via merchant link or completed by an agent, applications stream straight into Fiserv through an integrated API with real-time status tracking.
The central cockpit where ISO leadership and back-office staff oversee applications from inception to funding. Manage equipment, customize rate plans, organize companies, and calculate agent commissions with complete role security.
A purpose-built help-desk engineered specifically for payment operations. Resolve terminal configuration questions, batch settlement inquiries, and rate adjustments with full visibility into who answered what and when.
"Verified terminal serial number in CRM equipment ledger. Hardware dispatched on tracking #CA-89214. Template Welcome & Device Pair Guide dispatched via email."
Four synchronized stages turn chaotic manual processing into a streamlined, high-speed ISO growth engine.
New merchants either self-complete the guided 8-step onboarding wizard via a branded secure link or an agent fills it out directly—covering business information, encrypted officer data, banking, and Clover equipment selection.
1. Onboarding WizardOnce verified, the completed application is transmitted directly into Fiserv via automated API connection. Real-time stage trackers monitor underwriting and order status with zero manual paperwork or double-entry.
Direct Fiserv BoardingApproved merchants flow directly into the CRM cockpit. Manage your entire portfolio of active MIDs, configure equipment inventories, customize rate programs, and assign sales agent splits with granular role-based permissions.
2. Central CRM CockpitProvide dedicated merchant support through organized help-desk tickets automatically linked to the merchant's MID, while automated Excel commission reports give leadership complete transparency into monthly agent payouts.
3. Support Desk & PayoutsProcessing financial information demands rigorous protection. Universal Navigator adheres to strict security protocols across every database transaction.
Guards against unauthorized logins across all portals. Supports Google Authenticator (TOTP), email one-time verification codes, and secure offline recovery codes.
High-risk merchant data is encrypted for safety. Sensitive information is protected with industry-standard encryption.
Every update, field edit, document download, or status transition across CRM, Onboarding, and Support is captured with user ID, IP address, and microsecond timestamps.
Configure granular permissions per ISO company or agent. Ensure independent sales reps only view their own merchants, while executive admins enjoy macro portfolio visibility.
Transparent pricing based strictly on your active Merchant IDs (MIDs). Every plan includes Onboarding, CRM, and Support Desk as one unified system with zero hidden fees.
Ideal for emerging ISOs and boutique processing agencies.
Engineered for rapidly growing ISOs requiring high automation.
For established payment processors with custom network demands.
See how modern ISO operations leverage Universal Navigator to streamline daily workflows.
"Universal CRM cut down our application management time from hours to minutes. The role-based permissions give our regional sales reps visibility into their own book of business while keeping corporate data strictly confidential."
"Our merchants routinely go from opening the onboarding form to being submitted into Fiserv in under two hours. The real-time tracker has eliminated phone calls asking 'what stage is my application at?'"
"The support desk connects tickets right to the merchant's MID and terminal inventory in the CRM. Having pre-formatted email templates and internal conversation notes means no customer request falls through the cracks."
Gain 100% administrative authority over every merchant submission and eliminate costly credit review rejections with built-in agent collaboration.
Retain total administrative authority over every merchant file prior to underwriting. Review, audit, and verify business details, banking records, and identity files before any final transmit.
Share real-time feedback with sales agents before applications reach credit review. Flag missing documents or errors directly on the digital file and achieve faster, first-pass clean approvals.
Execute legally binding agreements with seamless in-person or remote signing. Merchants can draw, type, or upload signatures, with every action verified by complete digital audit trails.
All support channels, system navigation guides, and direct contact resources under one unified heading.
Master the Universal Navigator platform with interactive onboarding walkthroughs, module shortcuts, and complete ISO user guides.
Connect directly with our dedicated technical support engineers for live boarding escalations and operational questions.
Bite-sized, practical video walkthroughs addressing common troubleshooting scenarios, hardware setup, and error resolutions.
Everything you need to know about Universal Navigator's unified fintech architecture.