Custom CRM · AI workflows · 0% merchant fees
Your CRM. Your workflow. Your AI.
We build custom CRM systems for small and mid-sized businesses, with AI workflows shaped to how you actually operate — triage, follow-up, call summaries, invoice chasing — and card payments accepted inside it at 0% net merchant fees. One system, one engagement, one number at the bottom.
- 0%
- net merchant fees on card acceptance, built to card-brand rules
- Built to fit
- your process, not a template — source code delivered to you
- AI workflows
- on triage, follow-up, summaries, dunning and anomaly flags
No cost. No obligation.
Tell us how your business runs. We'll tell you what to build.
Quote to cash in one system
Pipeline, estimate, approval, invoice, payment and receipt as a single flow, with no export step and no double entry between your CRM and your processor.
AI on the repetitive work
Triage, follow-up drafting, call summaries, invoice chasing and anomaly flagging — the jobs that are too small to hire for and too frequent to keep doing by hand.
0% net merchant fees
Card acceptance inside the CRM at zero net cost through a compliant cash-discount or surcharge program, built to card-brand rules with the disclosure and receipt language installed.
PCI scope kept off your systems
Card data is tokenized at the gateway and never stored in your database, which keeps your own PCI scope narrow rather than making your CRM a compliance liability.
AI workflows
The AI does the work that is too small to hire for and too frequent to keep doing by hand
Not a chatbot bolted onto a sidebar. Specific jobs inside your workflow, each one drafted or triaged by AI and approved by a person before anything leaves the building.
Inbound triage and routing
Email, web forms and voicemail read on arrival, classified by intent and urgency, and routed to the right person with a drafted reply attached. The work that normally waits until somebody opens the shared inbox.
Follow-up that actually happens
Drafted follow-ups after every quote, call and job, in your voice, queued for one-click approval. Most revenue lost in an SMB pipeline is lost to silence rather than to a competitor.
Call and meeting summaries
Transcribed, summarized against the customer record, with action items written back into the pipeline. Nobody types up notes and nobody relies on remembering.
Invoice chasing and dunning
Overdue invoices escalated on a schedule you set, with payment links attached and the tone adjusted by how late and how large. Recovers money that would otherwise need a person to feel awkward.
Quote and document drafting
Quotes, proposals and job sheets drafted from your own pricing rules and past work, so the first draft takes seconds. Your operators edit rather than start from blank.
Churn and anomaly flags
Customers who have gone quiet, recurring charges that failed silently, margins drifting on a job type. Surfaced as a short list to act on rather than a dashboard to interpret.
How we govern the AI
Stated plainly, because buyers ask and should. If a vendor cannot answer these four questions about their AI, that is the answer.
- A human approves anything that leaves the building
- AI drafts, routes, summarizes and flags. It does not send invoices, sign quotes or message your customers without a person approving it — unless you explicitly decide otherwise for a specific workflow.
- Your data is not training anybody's model
- Customer records and transaction data are used to run your workflows and nothing else. We do not pool it, sell it, or feed it into a shared model.
- Every action is auditable
- Each AI step logs what it saw, what it produced and who approved it. When something looks wrong you can trace it, which also makes it fixable.
- It degrades safely
- If a model is slow or unavailable, the workflow falls back to the manual path rather than dropping the task. The CRM keeps working.
0% merchant fees
And the payments run inside it, at zero net cost to you
Card acceptance is built into the CRM rather than sitting beside it, and it is priced at 0% net merchant fees through a compliant cash-discount or surcharge program.
To be precise about the mechanism, because most providers are not: the cost of acceptance does not vanish, it moves to the cardholder within the ceilings the card brands allow. That is permitted in most states, it is never permitted on debit or prepaid cards, and it requires specific disclosure at the point of entry and the point of sale. We build it to those rules and install the signage and receipt language. Where your state restricts surcharging we use a cash-discount structure instead.
0% net merchant fees
Card acceptance inside the CRM at zero net cost through a compliant cash-discount or surcharge program, built to card-brand rules with the disclosure and receipt language installed.
PCI scope kept off your systems
Card data is tokenized at the gateway and never stored in your database, which keeps your own PCI scope narrow rather than making your CRM a compliance liability.
Reconciliation that is automatic
Because the processing account and the CRM are one engagement, every settled batch maps to the invoices that produced it. Month-end stops being a spreadsheet exercise.
No lock-in
Source code is delivered to you and your data is exportable in full at any time. If you want to take it in-house or hand it to another firm, nothing prevents you.
Where we are
Lovingly created in Chicago
The company and all of its software are lovingly created in Chicago. Every CRM we build, every AI workflow we ship and every line of code behind them is designed and written here by our own people — never offshored, and never white-labeled from somebody else's platform. Custom software for a business with an unusual process means sitting with the people who do the work, which is hard across a timezone gap and impossible through a reseller.
Also on the same engagement
The payments practice underneath the software
We were a payments practice before we were a software one, and the CRM runs on that. If you only want the processing side, that is a perfectly good engagement on its own.
0% cost credit card processing
A compliant cash-discount and surcharge program that moves the processing cost off your P&L without moving customers off your counter.
Hospitality insight software
Restaurant analytics drawn from the payment networks — daypart, ticket mix, server performance and repeat-guest behavior, without a new integration.
High-risk merchant processing
Placement and underwriting support for the categories that acquirers decline, with the reserve and chargeback structure negotiated up front.
Business loans and working capital
Capital priced against settled card volume rather than a credit score alone — term loans, lines and merchant advances, brokered rather than sold.
How an engagement runs
Four weeks from statement to settlement
Nothing here requires you to commit before you have seen the numbers. The first two steps cost you nothing and can end with us telling you to stay where you are.
- 01
Statement review
Send your three most recent statements. We derive your effective rate, isolate downgraded transactions and separate interchange from processor margin.
- 02
Findings and structure
You get the arithmetic in writing, alongside the program we would recommend — cash discount, surcharge or interchange-plus — and what it changes.
- 03
Underwriting and placement
We build the file and place it. For high-risk categories, reserve percentage and release schedule are negotiated before you sign anything.
- 04
Installation and monitoring
Terminal or gateway configuration, compliant signage and receipt language, then ongoing ratio and rate monitoring so the pricing does not drift back.
Industries
Sector economics, not a generic rate sheet
Restaurants & hospitality
Thin margins, heavy card mix, and a POS that reports yesterday.
Read moreHigh-risk & specialty retail
The category is not the problem. The underwriting file is.
Read moreRetail & e-commerce
Card-not-present pricing rewards the merchants who read their statements.
Read moreProfessional services
Large tickets, recurring billing, and a compliance obligation attached to every card on file.
Read moreInsights
Asking better questions about payment cost
How to read a merchant statement in eleven minutes
Effective rate is the only number that matters, and almost no statement prints it. Here is how to derive it, and the four places margin is usually buried.
Read the articleRegulation · 6 min readZero-cost processing is a compliance program, not a pricing trick
Cash discount and surcharge are both legal in most of the United States. The programs that get shut down fail on disclosure, ceilings, or debit.
Read the articleUnderwriting · 8 min readWhy acquirers decline you, and what to put in the file instead
A high-risk decline is rarely about your business. It is about which of five risks your file failed to address.
Read the articleStraight answers
The questions merchants actually ask
If an answer here contradicts something a processor has told you, that is worth a conversation.
What does "custom CRM with AI workflows" actually mean?
A CRM built to your process rather than one you configure around, with AI given specific jobs inside it: reading and routing inbound email, drafting the follow-up after a quote or call, summarizing calls into the customer record, chasing overdue invoices, and flagging customers who have gone quiet. It is not a chatbot in a sidebar. Each workflow is a defined step with a human approving anything that reaches a customer.
Will the AI email my customers without me seeing it?
No, not unless you explicitly decide otherwise for a specific workflow. The default is that AI drafts, triages, summarizes and flags, and a person approves anything that leaves the building. Every AI step is logged with what it saw, what it produced and who approved it, so it is auditable and therefore fixable.
Is my customer data used to train AI models?
No. Your records and transaction data run your workflows and nothing else. We do not pool it across clients, we do not sell it, and we do not feed it into a shared model. You also receive source code and can export your data in full at any time, so nothing about the arrangement depends on trusting us indefinitely.
How is 0% merchant fees possible if you are also building software?
They are two parts of one engagement. The software is a build with its own cost. The 0% refers to card acceptance: we place your merchant account and structure a compliant cash-discount or surcharge program so the cost of acceptance is not absorbed by your business. The processing cost does not disappear — it moves to the cardholder within the limits the card brands allow, which is permitted in most states, never permitted on debit or prepaid cards, and requires specific disclosure. We install that disclosure as part of the work.
Is 0% cost processing actually legal?
Yes, in most of the United States, and it is permitted under the Visa and Mastercard operating regulations. The requirements are specific: correct disclosure at point of entry and point of sale, a surcharge that does not exceed your actual cost of acceptance, and no surcharge on debit or prepaid cards. We build the program to those rules and install the signage and receipt language as part of the engagement.
What does a statement review involve, and what does it cost?
Nothing, and no obligation. Submit the form and we will ask for your three most recent merchant statements. We derive your effective rate, identify downgraded transactions and separate interchange from your processor's margin, then show you the arithmetic. If you are already priced well, we will tell you that.
Will I need to replace my POS or hardware?
In most cases, no. We work with the major terminal and POS platforms, and the hospitality analytics run off the payment stream rather than a POS integration. Where a terminal genuinely cannot support compliant surcharge logic, we will say so before you switch.
How long is the contract?
There is no long-term processing contract and no cancellation fee. If a separate equipment lease is involved we will identify it, because equipment leases are frequently non-cancellable and are the single most common trap in this industry.
My category has been declined before. Is that worth another attempt?
Usually, yes. Most declines are documentation failures rather than category exclusions. We rebuild the underwriting file against the specific objection and place it with acquirers who write your category deliberately rather than reluctantly.
When does funding actually arrive?
Next business day, American Express included. Same-day is available on some platforms; we will tell you whether it is worth the fee for your volume, which for most merchants it is not.
Tell us how your business actually runs.
A scoping conversation costs nothing and ends with a straight answer on whether a custom build is worth it — and what your card acceptance should cost.