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Fern Capital ISO Tools
New: OpenResidual, the free AI residual analyst

Get paid every residual you are owed.

OpenResidual checks your processor's file against your Schedule A, finds every short merchant and drafts the dispute. Free, open source, and your file never leaves your computer.

Sept 2026 · Fiserv North (PASO) · sample dataTie-out passed
You were paid $2,732.54 short across 37 merchants.
Paid$41,862.17
Expected$44,594.71
Short−$2,732.54
Dispute window23 days
Lakeview Auto GlassBuy rate 5 bps over agreed−$106.20
Piedmont Tire$100 fee not in Schedule A−$100.00
Oak St MarketMissing from the report−$73.25
AI analyst · run log
00:01Read residual_0926.csv, 412 rows
00:02Matched layout: Fiserv North (PASO)
00:03Tie-out ok: count, volume, net
00:05Applied Schedule A to 412 merchants
00:06Found 37 short, sorted by dollars
00:07Drafted dispute letter, 23 days left
Open dispute letter
Lakeview Auto Glass · buy rate 5 bps over · −$106.20 Piedmont Tire · fee not in Schedule A · −$100.00 Oak St Market · missing from report · −$73.25 Catawba Coffee Co. · missing from report · −$61.75 Bluff Dental · buy rate 5 bps over · −$53.50 Mill Creek Pediatrics · revenue not shared · −$39.90 Sample run
$0OpenResidual, for good. NMI Merchant Central lists at $1,799 a month with a one-year minimum.
42Processor residual formats catalogued.
7Layouts ready at launch, from published specs.
0Files uploaded, unless you choose to contribute.

An AI analyst that shows its work.

AI reads the file and explains the gaps. Arithmetic sets every dollar. If the three totals do not tie out, it stops.

01 ReadAny file, any layoutCSV, Excel or PDF. It names the processor from the headers and maps columns it has not seen.
02 Tie outThree totals firstMerchant count, volume and net residual must equal the file before anything else runs.
03 CheckYour Schedule A, per merchantBuy rates, per-item costs, fees and splits. Each gap gets a reason in plain English.
04 ActDispute, pay, fileThe dispute letter, agent statements and 1099 totals come out of the same run.

One suite of tools for ISO owners. This is the first.

01 OpenResidual Check every residual against your Schedule A. Pay agents. Draft the dispute. Early access
02 Peer benchmarks Your buy rates and per-item costs against ISOs your size, on the same processor. Unlocks with one anonymized month. Opt-in
03 Attrition alerts Merchants slipping before they close: volume down 20%, or no batch in 14 days. Next
04 Business valuation What your business is worth, measured the way a buyer measures it: retention, concentration and margin. Opens after three contributed months. Planned

Is your processor ready?

Pick the one that pays you. Not mapped yet? One month from you moves it to the front.

Fiserv North (PASO) Ready at launch

Built from the processor's published file spec. Drop in your file on day one.

Get early access
Ready at launch Partly mapped Needs a sample file

Proven.
Better.
New.

We kept everything the paid residual tools get right. We fixed what they get wrong. Then we added what none of them have.

Proven7 Things every paid tool does well. OpenResidual does all seven. Better8 Ways we beat them, starting with a $0 price and a file that never leaves your computer. New2 Things no residual tool offers today: Peer benchmarks and Business valuation.
What it does OpenResidual NMI Merchant Central SplitRun Fullcast
Proven 7 of 7 What the paid tools do well. We kept all of it.
Reads any processor's Excel or CSV file
Remembers your mapping for each processor
Schedule A rulesBuy rates, per-item costs, pass-throughs Partial Partial
Agent splits and overridesGross, net and manager levels
Flags merchants missing from the file
Per-agent statements
Attrition signalsVolume drops and silent merchants Partial
Better 8 advantages Where OpenResidual beats every paid tool.
Price $0 $1,799 a month, 1-year minimum $49 to $299 a month Quote only
Start without a sales call
Where your file goes Stays on your computer Their cloud Their cloud Their cloud
Source code Open, AGPLv3 Closed Closed Closed
Tie-out before anything runsMerchant count, volume and net residual All three Net total only Net total only
Every short merchant, with reason and dollars Buy-rate check only
Dispute clock and dispute letter
AI reads new layouts and explains each gap AI rule builder only
New 2 firsts What no residual tool offers today.
Peer benchmarksYour rates against ISOs your size, same processor Opt-in
Business valuationWhat your business is worth to a buyer After 3 months
Competitor details from each vendor's public product pages and help docs, October 2026. Merchant Central price from G2. A dash means not offered or not mentioned publicly.

Your file stays on your computer.

OpenResidual runs in your browser. Sharing is a choice you make each month, row by row.

Always stays with youThe residual file, merchant names and MIDs, agents and splits, your Schedule A.
Only if you click ContributeAnonymized rows feed Peer benchmarks.

"ISO owners built this industry on hustle. I want AI working for them, so every hour goes into growing the business."

Ernest Rolfson, Fern Capital Founder-CEO of Finexio for 11 years, over $7B in annual payment volume. 20 years in payments.

Free for every ISO. Forever.

One email when your processor is ready.