For processors, lenders, MCAs & SMB insurance

Find the merchants
your stack would save
0.3% on.

Merchant lists go stale in 90 days. ProspectUp is live-enriched SMB data with processor fingerprints, payment-volume proxies, and the switching signals that matter for fintech outbound — TCPA-safe, NAICS-mapped, DNC-aware.

Start free — 50 merchants on us See a sample merchant record
TCPA-safe outreach NAICS mapped DNC flags respected
prospectup.com / search · live
Show me restaurants × in Austin, TX × using Square POS × > $500k est. annual volume ×
1,247 matches · enriched live · $1/lead Save batch →
Torchy's — East 6th 1311 E 6th St · 4.4★ · 2,318 reviews
SQUARE
~$1.8M est. volume
Juan in a Million 2300 E Cesar Chavez · 4.5★ · 1,984 reviews
SQUARE
~$1.4M est. volume
Bouldin Creek Café 1900 S 1st St · 4.5★ · 1,612 reviews
SQUARE
~$920k est. volume
Nickel City 1133 E 11th St · 4.7★ · 1,240 reviews
SQUARE
~$740k est. volume
The job

What fintech GTM
leaders tell us.

Three patterns we hear every time we onboard a payments company or SMB lender.
" List fatigue

Our merchant list vendor sells the same SMBs to fourteen competitors. By week three the list is smoked. We need something live.

VP Growth · Payment processor
1,200 reps · East + Central
" Switching signals

If a merchant's Square site badge is still on their footer, that's a live signal. But no prospecting tool surfaces it. We were scraping manually.

Head of Outbound · SMB lender
Inside + field hybrid
" Compliance

The real blocker is legal. If your data source can't show chain-of-custody and DNC handling, our CCO kills the tool. Every time.

CRO · Business insurance
50-state, regulated lines
Signals that matter

Five fingerprints that
score a merchant.

Not firmographics. Not NAICS hand-waving. Real, live signals that a fintech rep can open a call with.
POS detection
Square, Clover, Toast, Aloha, SpotOn, Lightspeed — detected from site badges, booking widgets, and review mentions.
SquareToastClover+9
Volume proxy
Review velocity × price band × seats/square-ft = modeled annual volume. Not perfect — but right ±15% on 90% of merchants.
$ avg / seat × reviews / mo × 52
Years in business
GBP opened-date cross-referenced with CMS age and Secretary-of-State filings. New = acquisition window.
<1yr1–3yr3–1010+
Review-sentiment scan
Last 90 days of reviews scanned for processor mentions — "card reader kept freezing" or "they only take Venmo" is a free intro.
"Square kept declining — had to run it twice."
Stack fingerprint
CMS, hosting, checkout, booking, loyalty — a 47-point stack scan that tells you who the incumbent is.
ShopifyStripeSquare
Compliance flags
DNC, TCPA-safe hours, state licensing requirements for financial product outreach — pre-filtered, not discovered after send.
DNC-clearTCPA-safe
Compliance

Built for regulated
financial outbound.

Legal and compliance teams green-light ProspectUp in financial services because of how we source, flag, and disclose.
SMB data
Business-owner data, not consumer
Every record is a business owner acting in a commercial capacity. GLBA/FCRA consumer rules don't apply. We document the chain of custody for every data source.
NAICS-mapped from GBP categories · exportable audit trail
DNC aware
Federal + state DNC honored
National DNC registry and state-level lists are cross-referenced at enrichment time. Opt-out suppressions from your own CRM sync back to the platform.
Refreshed every 24h · per-state licensing filters available
Asset disclaimers
Outreach templates, legal-safe
Scan reports for fintech ship with configurable disclaimer lines (informational, not an offer of credit). Templates are reviewed with counsel before release.
Works for processors, MCA, lenders, insurance
The fintech motion

Postcard → QR →
calculator → call.

The highest-converting fintech outbound sequence we've measured. End-to-end in one platform, attribution baked in.
01 · Mail
Branded postcard
"Your current processor is costing you an extra $4,200/yr" — mailed to the merchant address on file.
QR: rateaudit.co/torchys-6th
02 · Scan
Personal landing page
Merchant's own business name, estimated current-processor cost, side-by-side with your offer.
Hosted on your subdomain
03 · Calc
Rate-savings widget
Embedded calculator with their modeled volume pre-filled. Sliders adjust — savings update live.
Informational disclaimer included
04 · Book
15-min call booked
Calendar round-robin to your AE, with the merchant's scan report already attached to the event.
Salesforce · HubSpot · Close
The opener

Not a pitch.
A rate analysis.

A fintech scan report is a one-page audit of the merchant's current payment stack and what a better one would look like. You open with math, not a pitch.
Your brand. Not ours.
P Payworks Prepared for Bright Smile Co
Your payment stack is costing ~0.34% more than peers.
C-
Processing efficiency 54 / 100 Est. $6,800/yr in avoidable fees, based on modeled $2.1M volume.
Detected processorfrom site badge + receipt scan
Square · legacy rate C
Effective ratemodeled, blended
2.94% D
Chargeback exposureno representment tooling detected
Manual only D
Peer benchmark200 dental SMBs, same volume band
2.60% avg B
See the full rate breakdownInformational · not an offer of credit
Book 15 min →
payworks.com/report/bright-smile Generated Apr 23
You might be thinking

What fintech buyers push back on.
Direct answers.

Three real pushbacks we get from payment processors, SMB lenders, and business insurance brokers.
You say

"We already buy merchant lists from LeadJen / DataAxle."

We say

Those are static lists that go stale in 90 days and get resold. ProspectUp is live-enriched: we refresh processor, volume, and review signals every 7–14 days. Same merchants, different decade of data.

You say

"DNC and TCPA make SMB outbound a minefield."

We say

We index business owner data from public commercial sources, not consumer data. DNC and TCPA-hour rules apply where relevant — we honor both and surface the flags on every record. Our legal team will share the memo.

You say

"We need NAICS codes for regulatory reporting."

We say

Every lead ships with a 6-digit NAICS inferred from GBP category + secondary signals, exported with the full category → NAICS mapping trail. Good enough for CFPB reporting on every one we've audited so far.

Frequently asked

Fintech-specific questions.

How accurate is the volume-proxy estimate?
Modeled volume is within ±15% on ~90% of SMB restaurant and retail records, measured against a 5,000-merchant audit set where actual processing volume was disclosed. Accuracy is lowest on seasonal and event-driven businesses.
Which POS systems can you detect?
Primary detection for Square, Toast, Clover, Aloha, SpotOn, Lightspeed, Shopify POS, Stripe Terminal. Secondary (less confident) for Revel, TouchBistro, MICROS, Heartland, NCR. Each comes with a confidence score.
Do you work for SMB lending / MCA use cases?
Yes. Volume proxy, years-in-business, and review velocity are the three signals that matter most for SMB lending underwriting fit. Scan reports can be reframed as funding-gap analyses with appropriate disclaimers.
Can I filter by state for licensing reasons?
Yes — state, county, MSA, ZIP radius, and territory polygons. If you only hold licenses in 18 states, you never see a lead outside those boundaries.
How do you handle DNC registry updates?
Federal DNC refreshed daily. State DNC lists refreshed weekly where available. Every record ships with a current DNC flag and last-checked timestamp.
Do you provide a CCPA/GLBA compliance memo?
Yes — our data-sourcing memo covers GLBA, CCPA, and our argument for commercial-purpose exemption under each. Shared under NDA for compliance review.
Can we bring our own target list?
Yes. Upload a CSV of merchants (name + address or domain), and we'll enrich them live at $1 per matched record.
How does pricing work for high-volume fintech teams?
$1/lead pay-as-you-go is the default. At 10k+ leads/month, we price in bulk tiers. Contact sales for an annual quote.
Selling into specific verticals? Restaurants and retail are the most-prospected by fintech teams.
Restaurant prospecting Retail & e-commerce Outside sales teams
380+ fintech & payments teams on the platform

Open with math.
Close on value.

50 merchant records on us. Live-enriched, TCPA-safe, ready to run through your outbound stack tomorrow morning.

Start free Request compliance memo
$1 per lead · 50 free · NAICS-mapped · DNC-clear