Skip to content
EMBERPAYMENTS · LOYALTY · E-COMMERCE

Home / Solutions / Ember Plus

Ember Plus · Payments · Risk · Growth

From application to boarding.

Ember Plus is the merchant onboarding, underwriting and bank-review platform for payments ISOs. It takes every merchant from first application through risk scanning, underwriting, compliance, sponsor-bank decision and boarding — with sales pricing, CRM sync and an AI advisor built in.

Request a DemoRead the Feature Review
Ember Plus in 60 seconds — dashboard, risk screening, Ask Ember, pricing, underwriting and reporting.
One Platform

Every stage of the merchant file, in one place.

Sales or the merchant builds the file, Underwriting and Compliance decide it, the sponsor bank reviews it, and it is boarded. Every step is permissioned, logged and visible.

Operations Dashboard

Track every merchant through an eight-stage status flow, with live KPI tiles for applications, completion, B2B and B2C volume, conditional files and open conditions.

Risk Screening

Screen merchant websites against 23 card-brand and industry rules in seconds. Every onboarding, manual and edit-triggered scan is saved to a searchable Scan Records history.

Ask Ember AI Advisor

A bilingual (English / Español) merchant-services and bank-risk advisor that reads the file in front of you and recommends the next action — with voice read-out.

Sales Pricing Comparison

Paste or upload a processing statement for an instant effective-rate breakdown, model the savings, then apply the winning proposal straight to the application.

Underwriting

A live document checklist flags what’s missing. Approve, conditionally approve or decline in one click, add and resolve conditions, and lock files read-only.

Control & Security

Tune risk thresholds and scan rules without code, backed by a PCI DSS and SOC 2 readiness control center with tokenization and no stored card data.

Social Screening New

Scrub merchant social media — Instagram, TikTok, Telegram, link-in-bio pages — for illegal, mislabeled and research-use-only violations before they become your problem.

Statement Fraud AI New

Flags altered or fabricated statements before you rely on them: PDF edit layers, balances that don’t reconcile, round-dollar patterns, brand totals that don’t add up.

Report Automation New

Pick from ten report types — pipeline aging, fraud findings, missing documents, risk distribution and more — schedule them, and let them deliver themselves.

The Pipeline

One controlled path from application to boarding.

Files can be sent backwards at three points, each with a required reason, so nothing moves forward on a guess.

  1. ApplicationSales or the merchant completes nine structured sections. B2B + B2C volume totals automatically.
  2. Risk scanWebsite, social and compliance rules run on submission and score the file.
  3. UnderwritingDocuments verified, conditions added and resolved, conditional or final approval.
  4. Compliance reviewHigh-risk and conditional files route to compliance sign-off.
  5. Bank reviewThe sponsor bank records Approved, Hold or Deny — or returns the file with a reason.
  6. BoardingApproved merchants are boarded and synced to your CRM.
Ember Plus risk screening screen

Risk screening against card-brand and industry rules.

Built For Your Whole Team

The right access for every role.

Seven user tiers and two sign-in portals. Roles set sensible defaults, and administrators can switch any of 27 permissions on or off for an individual user.

RoleWho it isWhat they own
MasterPlatform ownerEverything — always active, always holds every permission.
AdministratorISO operations leadsUsers, settings, integrations, reporting and every workflow action.
UnderwritingCredit and risk analystsUnderwriting, conditions, approvals, scan rules and pricing templates.
ComplianceCompliance officersCompliance review of conditional and high-risk files, final approval, audit log.
SalesISO sales reps and agentsApplications, pricing comparisons and submission to underwriting.
BankSponsor-bank reviewersRead-only review, Approve / Hold / Deny, boarding, executive dashboard.
MerchantThe business applyingIts own application and documents only, through a separate Merchant Portal.
Integrations & Verticals

Connected to the systems you already run.

Integrations

  • HubSpot CRM — secure connection, field mapping and application sync
  • AI model and AML screening providers through a secure server-side gateway
  • API Library documenting every integration contract
  • Executive Dashboard and TV Presentation mode for the sales floor

Merchant verticals

Feature Review

Ember Plus, chapter by chapter: what the overview video shows

By the Ember Services teamBased on: Ember Plus overview video (1:00)

The Ember Plus overview packs a full merchant lifecycle into one minute. Here’s what each chapter shows and why it matters to an ISO’s sales, underwriting and bank teams.

4.7/5
Risk screening4.8
Underwriting workflow4.7
AI assistance4.6
Security & controls4.7
Reporting4.8

0:04Operations dashboard

Every merchant moves through an eight-stage status flow, with progress bars from pre-underwriting to approved and KPI tiles for B2B volume, B2C volume, conditional files and open conditions. Managers can see where every file is stuck at a glance.

0:08Risk screening

Merchant websites are screened against 23 card-brand and industry rules in seconds, and the result — such as “High Risk / Review Required” — lands on the file with the reasons attached.

0:12Ask Ember

The bilingual voice advisor reads the application, lists which criteria it checked and the knowledge it used, and recommends the next action. It’s the closest thing to a senior underwriter sitting next to every new hire.

0:20Sales pricing

Paste a processing statement and Ember Plus breaks out volume, fees and effective rate — 2.90% in the demo — then models savings for the proposal.

0:24Underwriting

A document checklist shows what’s received and what’s missing, with approve, conditionally approve or decline in one click.

0:28Control & security

Risk thresholds (low, elevated, high, auto-escalation, block boarding) are tuned without code, beside a PCI DSS and SOC 2 readiness panel with tokenization required and no stored card numbers.

0:36New: social screening and statement fraud AI

Social screening scans Instagram, TikTok, Telegram and link-in-bio pages for illegal, mislabeled and research-use-only violations. Statement Fraud AI catches PDF edit layers, balances that don’t reconcile, round-dollar patterns and card-brand totals that don’t add up.

0:48New: report automation and pipeline view

Pick from ten report types, schedule them and have them emailed automatically. The pipeline board can be resized and rearranged to fit your screen.

What we liked

  • The whole lifecycle in one platform
  • Screening that explains its decisions
  • AI guidance on every file
  • Fraud checks on supplied statements

What to plan for

  • Production integrations (CRM, AI models, AML screening) run through a secure server-side gateway that must be configured
  • Teams need role and permission setup at launch

The verdict

Ember Plus replaces the spreadsheet-and-email patchwork most ISOs use for onboarding with one permissioned, auditable pipeline — and its screening and fraud tools catch problems before a sponsor bank does.

See It Live

Book an Ember Plus walkthrough.

We’ll walk your team through a live file, from application to boarding, and show how Ember Plus fits your underwriting process and sponsor-bank requirements.

Or call +1 855 720 2526.