Sell your residual portfolio to a team that's been where you are.
We acquire Agent and ISO merchant-processing residual portfolios directly — with no middlemen and a straightforward process led by experienced operators who have acquired, managed, and sold residual portfolios themselves.
A different kind of buyer — built by experienced operators.
Disciplined, Data-Driven Valuations
Our valuations are based on the underlying performance of your portfolio — including processing volume, active merchants, revenue trends, concentration, and attrition — so you receive an offer grounded in the quality and durability of what you've built.
Flexible Deal Structures
From cash at closing to thoughtfully structured transactions, we tailor each acquisition around the portfolio and the seller's objectives — creating a structure that works for both sides.
Continuity for Your Merchants
A sale shouldn't disrupt the merchant relationships you've built. We prioritize a seamless transition designed to maintain existing processing, service, and support with minimal disruption to your merchants.
What we look for in a residual portfolio.
We evaluate each portfolio based on the quality, consistency, and durability of its residual cash flow. Our underwriting considers historical performance, merchant composition, processing trends, attrition, concentration, and platform stability to develop a clear view of the portfolio and its long-term value.
- Historical processing volume and transaction trends
- Active merchants and portfolio composition
- Industry and geographic diversification
- Residual revenue and profitability trends
- Merchant and dollar attrition
- Merchant concentration and overall portfolio consistency
- Processing platform and underlying merchant relationships
A straightforward, four-step process.
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Share Your Portfolio Details
We start with a confidential conversation to understand your portfolio, including residual performance, processing volume, merchant composition, attrition, and processing relationships.
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We Evaluate the Portfolio
Our team applies a disciplined, data-driven underwriting process informed by years of experience acquiring, managing, and integrating residual portfolios.
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Receive a Clear, Tailored Offer
We present a straightforward valuation and transaction structure based on the quality of your portfolio and your objectives — with clear terms and no unnecessary complexity.
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Close & Transition
Once terms are agreed upon, we move efficiently toward closing and funding while working to ensure a seamless transition with minimal disruption to your merchants.
Request a confidential portfolio valuation.
Tell us about what you're selling and get an instant, illustrative valuation range — then share a few details and our team will follow up to discuss a real offer. All conversations are confidential and there is no obligation to sell.
Income you actually receive each month after splits, agent commissions, and processor share.
Percent of net residual lost per year to merchant churn and account closures.
Illustrative estimate based on the inputs above. Not an offer. Your actual valuation depends on full underwriting of your portfolio or business.
Enter your details to reveal your estimated range and send it to our team.
How this estimate is calculated
For merchant portfolios and residual streams, we apply a multiple to net monthly residual, ranging from the low teens for small, higher-risk books up to roughly 55x–65x for large, low-attrition, software-locked portfolios; high-risk concentrations are capped near 36x. For whole operating ISOs, we apply an EBITDA multiple — roughly 6x–8x for legacy, non-integrated operations, and up to 10x–18x for software-integrated platforms with strong growth and clean records. Fintech businesses are valued on a revenue multiple that scales with company size and is adjusted for growth, net revenue retention, recurring mix, and margin — roughly 1x–8x. These ranges are illustrative only and are not a formal offer or appraisal.