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BENEFITS TO MERCHANT AGGREGATORS, ACQUIRERS, AND ISOS

Turn Merchant Data into Stronger Merchant Relationships

9Spokes helps merchant aggregators, acquirers, and ISOs unify transaction, settlement, net sales, and business performance data into a single white-label view — giving SMB merchants clarity they value and giving you the insight to strengthen engagement and reduce churn.

 

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Merchant

AT A GLANCE

How do merchant aggregators use 9Spokes?

Merchant aggregators use 9Spokes to consolidate consented SMB transaction, settlement, and net sales data into one white-label dashboard for their merchants — while gaining portfolio-level insight into merchant health, growth, and engagement. It replaces disconnected reporting tools with a single branded experience.

THE CHALLENGE

Merchants are Drowning in Disconnected Reports

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SMB merchants juggle statements, settlement files, and separate portals to understand how their business is really performing.

For aggregators, acquirers, and ISOs, that fragmentation means weaker engagement, more support requests, and fewer natural reasons for merchants to stay. The data to fix it already exists — it just isn’t unified or made useful.

HOW IT WORKS

A Single, Branded View of Merchant Performance

 

9Spokes brings consented merchant data together and delivers it through your brand:

  • Unify transaction, settlement, net sales, and business performance data in one place.
  • Give merchants a clear white-label dashboard that supports faster reconciliation and better decisions.
  • Add connected banking, credit card, and business app data so merchants see their full financial picture, not just payments.
  • Equip your team with portfolio-level insight into merchant health and growth signals.
merchant multiview

WHY MERCHANT AGGREGATORS CHOOSE 9SPOKES

Benefits for your SMB merchants

  1. A single view of settlement, net sales, and transaction data — no more stitching together reports.

  2. Faster, more confident reconciliation.

  3. Clearer visibility into business performance and cashflow.

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Benefits for your organization 

  1. Stronger merchant engagement and a clear reason for merchants to stay.

  2. Reduced reliance on disconnected, high-support reporting tools.

  3. Portfolio insight to identify growth opportunities and at-risk merchants earlier.

  4. A differentiated, white-label experience delivered under your brand.

BUILT FOR ENTERPRISE TRUST

 Secure, Consented, and White-Label by Design

Viewport of 9Spokes Cashflow

Cashflow

Help your customers to manage their cash flow by connecting their general ledger data. Small businesses can: 

  • Understand current cash position based on banking and general ledger data.
  • See cashflow against a budget set.
  • View transactions impacting cashflow position.
  • Use Kanban or calendar view to change the due date for bills and invoice to evaluate the impact on cashflow position.
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White label by design

Deliver merchant insights through your own brand, channels, and customer experience.

Secure, consented data connectivity

ISO 27001-certified security and direct API connections — with no screen scraping — keep merchant data accurate and trusted.

Built for enterprise scale

A proven platform designed to support leading global and tier-1 financial institutions and payment providers.

Frequently Asked Questions

What is merchant data analytics?

Merchant data analytics turns transaction, settlement, and sales data into clear insights merchants can act on — and gives providers a view of merchant health across the portfolio. This includes information like changes in revenue, average order size/value, and store/site-specific performance.

How can acquirers and ISOs improve merchant engagement?

By giving merchants a single, branded view of their performance data, acquirers and ISOs create an experience merchants use regularly — deepening the relationship and reducing churn.

How does settlement data support reconciliation?

Unifying settlement and transaction data in one view lets merchants match payouts to sales quickly and confidently, reducing manual reconciliation effort and support requests.

 

Can merchants see more than payment data?

Yes. Merchants can connect consented banking, credit card, and business app data, from platforms such as social media, HR, accounting, and more, for a fuller picture of their financial and business position alongside payments.

How does it help banks measure and grow share of wallet?

By aggregating broad open banking and app data, the Hub reveals where an SMB holds accounts and activity beyond your institution, helping teams identify cross-sell openings and prioritize the conversations most likely to deepen the relationship.

Does it work with our existing systems?

Yes. It integrates via CSV and API to enrich your CRM, BI, loan origination systems, internal AI agents, and core banking platform, rather than replacing them.

Ready to Strengthen Merchant Relationships?

 Give your merchants a single view of their business — and give your team the insight to keep them engaged and growing.

Request a Merchant Platform Demo
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