Meet Discovery — the platform that runs your merchant book.
One login. One workflow. Discovery replaces the spreadsheets, PDFs, fax cover sheets, and five separate logins our industry tells you to live with. Agents close faster. Merchants see everything. Nobody is left guessing.
The merchant services industry runs on duct tape. We replaced ours with software.
Most ISOs hand their agents a CRM from 2008, an OLA from a different vendor, a chargeback portal from the processor, a residuals dashboard from accounting, and a stack of PDFs for everything else. Discovery is one place. Your leads, your proposals, your applications, your documents, your residuals, your chargebacks, your commission math — all under one login, all built around how merchant services actually works.
Close more deals. Spend less time fighting your tools.
Discovery was built by people who have written merchant applications by hand at a kitchen table. Every feature exists because we needed it, not because a product manager guessed.
Drag-and-drop lead pipeline
Lead, prospecting, proposal sent, won, lost. Move a card. The dashboard, the tasks list, and your agent's view all update at once. No more "what stage is this in?" Slack threads.
Multi-device proposal cart
Drop a Clover Station Duo, two VP550s, and a Dejavoo Z11 into the same proposal. Discovery shows the lease tier math and the sale price side-by-side, calculates the merchant's monthly all-in, and previews your commission before you click send.
Sales-PIN locked rates
Below-floor rates require your sales PIN. Hashed with bcrypt server-side — no plaintext, no "I'll just tell my agent the code." If the rep didn't have authority to give it away, Discovery won't let them.
Encrypted document vault
Voided checks, IDs, signed contracts, EIN letters. Stored on disk inside your org's namespace, encrypted at rest, streamed back through an authenticated download endpoint. Cascade-delete cleans both the row and the file.
Chargeback tracker
See every chargeback for every merchant on your book, with status (received / responded / won / lost), deadlines, and the merchant's contact link one click away. No more logging into the processor portal at 11pm.
Residual & lease splits
Default 50/50, configurable per agent. The split rides with you on every merchant — Discovery does the math on your monthly residual and shows what you earned, by merchant, by month.
Commission worksheet
A free-form earnings estimator that lives outside any one merchant. Drop in 12 deals, tweak the rates, see the year. It auto-saves per agent — close the laptop, come back tomorrow, your numbers are still there.
Phone, tablet, laptop
Same data, every device. Discovery's API uses secure personal-access tokens — when the mobile app ships, your existing login works without rebuilding anything. The merchant portal already adapts to phone screens today.
Admin "Login As" agent
Stuck on a deal? Your admin can impersonate your account, see exactly what you see, fix the issue, and bounce back. Every impersonation is logged. No screenshare gymnastics, no "send me your password."
One portal. Every answer. No phone tag.
Most merchants find out their statement was wrong from their CPA in February. Discovery puts the answer in your pocket today.
Apply in 5 minutes
The OLA wizard walks you through ownership, banking, and signer info in plain English. Upload a voided check from your phone camera. Sign with your finger. We pre-fill what we already know.
See your proposal — accept it digitally
Your agent quoted three terminals and a two-year lease. You see the same cart they sent, the same monthly numbers, the same all-in. Accept, request a change, or download the PDF — no faxing.
Your documents, your vault
Voided checks, signed merchant agreement, IDs — every document we have on file, stored encrypted, downloadable any time. Lose your signed copy? Pull it from the vault.
Live chargeback status
Got a chargeback? See it the same hour we do. Deadline, reason code, response window. No "we'll call you back" — the page tells you.
You + your agent see the same screen
When you call your agent, they aren't asking you to email screenshots. They're looking at exactly what you're looking at. Calls get short. Problems get fixed.
Works on any device
Desktop in the back office. Tablet on the floor. Phone in your pocket. Your login works everywhere — same data, same dashboard, no "mobile site" with half the features missing.
Virtual Terminal
Type a card number, charge it, email the receipt. Built in for phone orders, deposits, and anything you'd otherwise key into a clunky processor portal at 4pm.
Recurring billing
Charge the same customer the same amount on the same day every month — automatically. Pause, edit, or cancel a plan in two clicks. Failed-card retries handled for you.
One-click refunds & voids
Find the transaction, hit refund, pick full or partial. The customer gets their money back the same day, and the audit trail lives on the transaction forever.
Real reporting
Daily, weekly, monthly — volume, average ticket, refund rate, top hours, top employees. Export to CSV when your CPA asks. No "log into the processor portal and download the PDF."
Customer database
Every card you've ever charged builds a customer record automatically. See who's a regular, who's on a recurring plan, who's never come back. Add notes, tag VIPs, send a follow-up.
Plain-English statements
Your monthly statement, but actually readable: what you ran, what we charged, what stayed in your account. Hover any line for the breakdown. No more "what's this $14.95 fee?"
What it actually looks like to use Discovery.
A walk through the merchant-side screens you'll spend the most time on.
Charge a card without a card present.
Phone orders, deposits, invoicing, vendor payments — anything that needs a card you don't physically have. Type the amount, type the card, hit charge. Receipts auto-email.
- EMV-grade tokenization — the card never touches your hard drive
- Auto-detects Visa / MC / Amex / Discover
- One-click email or text receipt
- Saves the customer for next time (with their permission)
Find any transaction in three keystrokes.
Type a name, an amount, the last four of a card. Filter by date range or status. Refund, void, or email a receipt directly from the row. Every action is logged.
- Full-text search across customer, last4, amount, employee
- Color-coded status: approved, refunded, voided, chargeback
- One-click refund (full or partial) and email receipt
- CSV export with the click of a button
| Date | Customer | Card | Status | Amount |
|---|---|---|---|---|
| May 7, 2:14 PM | Marco's Bistro | VISA •4321 | Approved | $84.00 |
| May 7, 1:48 PM | Gomez Hardware | MC •8821 | Approved | $1,206.50 |
| May 7, 11:02 AM | S. Reilly | VISA •0119 | Refunded | −$42.00 |
| May 6, 4:38 PM | Riverside Cafe | DISC •4421 | Approved | $312.18 |
| May 6, 9:14 AM | K. Liu | AMEX •0006 | Voided | $0.00 |
The numbers that matter, no spreadsheet required.
Volume, average ticket, refund rate, top hours, top staff. Compare this week to last. Daily, weekly, monthly views. CSV export for your accountant.
- Volume + transaction count for any date range
- Average ticket and refund rate trends
- Hour-by-hour heatmap so you know when to staff up
- Per-employee performance and tip totals
Every card becomes a customer record.
Charge a card and Discovery quietly remembers — total spent, last visit, recurring plans, notes. Find your top 50 customers in one query. Send a thank-you. Spot a regular who hasn't come back in 60 days.
- Auto-built from your transaction history — no manual entry
- Lifetime spend, visit count, last seen
- Tag VIPs, add notes, attach files
- Send invoices and one-off charges from the customer page
| May 7, 2:14 PM | VISA •4321 | $84.00 |
| May 4, 6:02 PM | VISA •4321 | $112.50 |
| Apr 29, 12:48 PM | VISA •4321 | $94.20 |
Set it once. Get paid every month.
Subscriptions, retainers, memberships, payment plans — Discovery charges the saved card on schedule and notifies you (and the customer) if it fails. Pause, edit, or cancel anytime.
- Weekly, monthly, quarterly, annual schedules
- Automatic retry logic on declined cards (with email to customer)
- Card updater service — when the customer's card is reissued, we keep charging
- Pause for the holidays, resume in the new year
The whole thing fits in your pocket.
Step out of the back office and into a real life. Discovery on a phone is the full Discovery — charge a card, pull a report, refund a transaction, look up a customer. No "lite" mode.
- One login — works on iPhone, Android, tablet, desktop
- Today's volume, today's transactions, refunds, tips on the home screen
- Tap-to-charge for the virtual terminal
- Push notifications for chargebacks, declines, and large auths
Three roles. One workflow.
Every Discovery account knows whether you're an admin, an agent, or a merchant — and the screen, the data, and the permissions adjust accordingly.
Admin
Sees every agent, every merchant, every dollar. Hires agents, sets splits, resets sales PINs, and can "Login As" any user to debug a stuck deal. Cross-agent reporting and residual reconciliation live here.
Agent
Sees their own book — their leads, their merchants, their tasks, their chargebacks, their residuals. Builds proposals, runs the OLA, manages documents. Can't see other agents' data; permissions enforce it server-side, not just in the UI.
Merchant
Sees their account — applications, proposals, documents, chargebacks, statements. Can update their own info, sign documents, accept proposals, and reach their agent without a phone call.
Modern stack. Real security.
Discovery is a real, custom-built application — not a no-code dashboard glued to a spreadsheet. We can audit it, extend it, and ship features in days, not quarters.
What's under the hood
- Modern, fully managed application stack with Redis-backed sessions and queues
- Dual-mode auth — secure session cookies for the web app, bearer tokens for mobile
- Role-based access control across admin, agent, and merchant roles
- Per-organization data isolation (multi-tenant ready)
- Versioned REST API for internal tools and a future mobile app
- Cloud-hosted with daily encrypted backups and monitored uptime
How your data is protected
- bcrypt password hashing — no plaintext, ever
- AES encryption at rest for SSNs, bank routing, agent KYC
- Sales PINs hashed server-side — even staff can't read them
- Document files stored in org-namespaced disk paths
- HTTPS everywhere with HSTS pinning
- Every action logged — admin impersonation included
Want to see Discovery in your own account?
Discovery is included with every Xray Payment merchant and agent account — no extra fee, no per-seat pricing, no "premium tier." If you're with us, you have it.
I'm a merchant
Already with Xray? Your login is waiting. New to Xray? A 60-second quiz and a quick chat is all it takes.
I'm an agent
If your current ISO is still emailing you spreadsheets and PDF applications, we should talk. Discovery comes with the agent program.