The OperatingSystem forPayments Agents.ISOs.
Built so your agents can sell — and you can scale.
Built so your agents can sell — and you can scale.
Works with your processors
Twill covers the entire merchant lifecycle — from the first call to a healthy, growing portfolio — so your team can operate without the overhead.
01
Sell
Know exactly what to pitch before the call starts.
02
Onboard
One portal. Your brand. Merchant barely lifts a finger.
03
Activate
Reach merchants exactly when they're ready to act.
04
Manage
See the problems before your merchants call you.
It creates three problems:
The Stack.
Four portals. Two CRMs. One spreadsheet that's somehow the source of truth.
The Blindspot.
Merchants fail silently while you're focused on the next deal.
The Gap.
Approved but not processing. The dead zone that kills your residuals.
The Stack
Four processor portals. Two CRMs. One spreadsheet that's somehow the source of truth. Every deal requires context-switching, and every context switch costs a close.
The Blindspot
A merchant stops batching. Volume drops 40%. Nobody notices until they're gone. You don't have a portfolio problem — you have a visibility problem.
The Gap
Approval isn't activation. Between underwriting and first transaction there's a window where merchants get confused, get busy, and walk. No tool owns that gap.
That's not a people problem.
That's an infrastructure problem.
Twill is the infrastructure.
01 / 06
Twill connects directly to your processors — for application submission, merchant onboarding, and live data. No more logging into four portals. No more manual data pulls. TSYS, Fiserv, Global, Elavon, Maverick, Priority, Kurv, North — all feeding into one place, in real time.
See the integrations→Residuals
Every processor has a different file format. Every partner has a different split. Twill imports your residual files — CSV, XLS, XLSX — auto-detects the processor, runs AI validation before you publish, and routes payouts to every partner in your structure. BIN-level precision. Zero spreadsheets.
02 / 06
Before the first call, Twill crawls the merchant's web presence and builds a solution match. When your rep picks up the phone, they already know what to pitch — and why it fits. No prep time. No generic decks. The right solution, ready before the conversation starts.
See it in action→Solutions Engine
Coastal Bistro LLC
Recommended Processors
Priority Commerce
Restaurant Suite Pro · Interchange+
Fiserv
FD150 POS · Flat rate
TSYS
Retail Package · Tiered
Priority preferred — NFC volume + multi-location fits restaurant bundle
03 / 06
The merchant sees your name, your logo, your colors — through every step of onboarding. No mystery DocuSign links. No processor portals they don't recognize. Twill guides them through and keeps you informed on where every deal stands.
See the portal→Fresh Brew Coffee Co. / Application
Business
Fresh Brew Coffee Co.
Restaurant · 722513 · 2 locations
Monthly Volume
$32,000
Business Info
Legal name, address, MCC
Banking
Checking ••4821
Officers
1 of 2 complete
Processing
Not started
Documents
Not started
04 / 06
Equipment arrives — Twill reaches out. Credentials hit their inbox — setup guidance fires. Not a fixed drip. Not a calendar reminder. Outreach tied to actual delivery milestones means merchants get help the moment they need it. First transactions happen faster.
See the activation flow→Coastal Bistro
ActiveTerminal Delivered
Your terminal was delivered today — let's get it activated. I'll guide you through right here.
Let's go! 🚀
Power on
Connect to WiFi
Run a test transaction
Tap your card
05 / 06
Metro Auto hasn't batched in 3 days. Haven Coffee's volume dropped 40% this week. Summit Salon's chargebacks just spiked. Twill surfaces the signal across your entire portfolio — and tells you what to do about it. Nothing slips through.
See the portfolio view→Alerts
9 activeHarbor Bistro
4m agoCB ratio 1.8%
Pines Auto Group
18m agoNo batch in 3 days
Green Valley Market
1h agoVolume down 42% WoW
Lakeview Dental
2h agoAuth rate dropped to 88%
06 / 06
Every processor has a different file format. Every partner has a different split. Twill imports your residual files — CSV, XLS, XLSX — auto-detects the processor, runs AI validation before you publish, and routes payouts to every partner in your structure. BIN-level precision. Zero spreadsheets.
See the residuals module→Residuals
March 2026
AI Pre-Publish Validation
3 merchants missing — Present Feb, absent Mar Paysafe file
2 volume outliers — JoeCo −67% · Oceanview −41% vs 3-mo avg
4 new merchants — First appearance in TSYS Mar file
Import History
TSYS
Mar 18 · 142 merchants
Fiserv
Mar 17 · 89 merchants
Paysafe
Mar 16 · 61 merchants
WorldPay
Mar 15 · 34 merchants
Book a demo. We'll show you what Twill looks like inside your operation — no deck, no pitch, just the product.
No commitment · Works with your existing processors