Ainsworth is the ISO built for independent sales agents. Many sponsor banks live, one canonical application across the network, a real dashboard that names the next action on every deal. You bring the relationships. We handle everything around the application.
Active book and setup queue side by side. Every merchant shows a stage, a percentage, and a literal next-action sentence. You stop guessing what to do next on every deal.
Merchant fills one form. We pick the bank. We generate the MPA. No re-typing for each underwriter. No PDF email chains. No copying numbers from one app to another.
Upload your logo. Set your display name. We can put your branding on merchant invite emails and on the merchant-side dashboard. The merchant experiences your business, with our infrastructure underneath.
Our sister chargeback platform reduces VAMP across the cohort. That means our banks raise our limits, which means we approve your harder deals faster. Other ISOs cannot match this.
Merchant stuck on a doc upload? Send them a nudge from your dashboard. No support ticket, no waiting for an Ainsworth rep to email them. Your relationship, your tools.
When a bank approves, declines, or asks for more info, you see it the moment we do. Days-processing counter on every active merchant. Status anxiety, gone.
ISOs, agents, and technology partners who already collect merchant information in their own systems can push applications to Ainsworth programmatically — instead of re-typing every deal. One call creates the merchant; we handle document review, underwriting preparation, bank placement, and e-signature, with application status visible to you the whole way.
Submit a merchant and primary contact from your own system. The merchant lands in your book exactly like a portal invite and gets their own portal login automatically. No re-keying.
List your merchants and read per-merchant application status via the API. Automate on it — know the moment a file is submission-ready instead of asking.
API keys are issued per partner organization and revocable instantly. Per-partner data isolation. Every action is audit-logged.
The published spec covers the complete high-risk application — business identity, processing history, billing models, e-commerce, fulfillment, beneficial owners, banking, and disclosures — plus document upload and an automated status feed that flags document issues before they slow a file down.
The application model covers what high-risk underwriting actually asks for — beneficial ownership, processing history, billing models, fulfillment — not a generic lead form.
Merchants personally e-sign through a hosted signature link and get their own portal access. You pre-fill the application. You never sign for them.
REST and JSON, API-key authentication, rate-limited, fully audit-logged. Sensitive fields — SSN, EIN, banking — are encrypted at rest with AES-256-GCM and write-only through the API.
Available now for approved partners. Full specification and field reference shared directly after onboarding.
High-risk underwriting dies on the merchant's website, not on the merchant. Disease claims where there should be structure-function claims. Missing disclaimers. Reconstitution kits sold next to the product. Most of it is mechanically fixable. The merchant just doesn't know.
Every Ainsworth agent gets a pre-flight tool that screens the merchant's site against a rubric built from 193 real FDA warning letters. Each finding cites the actual FDA quote and tells you exactly what to change. You ship the application clean. The bank approves faster. Your limits go up.
Same tool, same findings, in their own dashboard. You stop being the bottleneck on every back-and-forth. The merchant cleans up what they can. You become the judgment layer: what is worth fighting, what to fix first, what the bank will actually flag.
We would rather lose your application than waste your time. The pitch above is the pitch. If it doesn't fit, we are not the move.
Mark Smith, our CCO, reads every application personally. Expect a response within one business day. If we are not a fit, we will tell you that and refer you somewhere honest.