Portfolio BUYER

AVAILABLE - Payarc Agent Portfolio - AVAILABLE 

Portfolio Highlights

• Monthly Net Residual Earnings: $48,000 

• Active Merchants: 10 accounts, primarily located in the Midwest

• Business Types: 100% Retail and Wholesale Automotive

• Portfolio Age: Merchants range from 5 to 25 years

• Attrition YTD: Zero lost income reported

Key Features

• Merchant Contracts: Standard contracts with a $295 early termination fee

• Pricing Model: Interchange Plus (IC+) and Cash Discount Pricing (30% of portfolio on cash discount)

• Cash Discounting: Utilized by 3 accounts (30% of portfolio)

• Terminal Leasing: No terminal leases

• Gateway Providers: TSYS Network

• Agent and Operational Details

• Agents: No agents; all accounts are house accounts

• New Accounts Added: N/A (existing stable portfolio)

• Office Location: Florida

• Processor Split: 95/5 in favor of the seller

Why This Portfolio Stands Out

• Zero Attrition: No lost income reported YTD, demonstrating exceptional portfolio stability.

• Established Merchant Base: Long-standing merchant relationships ranging from 5 to 25 years, ensuring consistent residual income.

• High-Quality Accounts: Concentrated in stable retail and wholesale automotive sectors, with top merchants providing significant revenue.

• Clean Financials: No liabilities or accounts payable

Reason for Sale
The seller is retiring and exiting the industry entirely. They are selling a portion of their residuals as part of their retirement strategy.
Additional Details

• Selling Partial Residuals: Seller is retaining a portion of the portfolio residuals.

• Right of First Refusal: Processor has waived the right of first refusal.

• Time Left on Contracts: 30 months remaining with auto-renewal.

• POS Integration: No POS integration currently in place.

• Gift Card/Cash Advance Programs: Not utilized.

• Seller Willingness to Stay On: Seller is not willing to sign up as an agent of the buyer post-sale.​

​​

AVAILABLE - Volt/Fiserv Agent Portfolio - AVAILABLE

​

Portfolio Highlights

• Monthly Net Residual Earnings: $19,000 (average over the last 6 months)

• Active Merchants: 181 accounts, all located in Puerto Rico

• Business Types: 95% retail, 5% card-not-present (CNP), including restaurants, beauty, auto, and service industries

• Portfolio Age: 1 year

• Attrition YTD: Zero lost income reported

Key Features

• Merchant Contracts: Standard contracts with a $295 early termination fee

• Pricing Model: Interchange Plus (IC+)

• Cash Discounting: Not utilized

• Terminal Leasing: 35% of merchants lease terminals

• Gateway Providers: NMI, Authorize.net

Agent and Operational Details

• Agents: 3 agents work under the seller (will be bought out)

• New Accounts Added: 12 per month on average

• Office Location: San Juan, PR

• Processor Split: 80/20 in favor of the seller

Why This Portfolio Stands Out

• Zero Attrition: No lost income reported YTD, demonstrating portfolio stability.

• Strong Growth Potential: Opportunity to expand with the Buyer bringing additional merchants and marketing strategies.

• Diverse Merchant Base: Focused on retail and service industries, with a mix of terminal leasing and gateway solutions.

• Clean Financials: No liabilities or accounts payable.

Reason for Sale

The seller is expanding into ISV opportunities but is not exiting the industry. They are selling 70% of their residuals to fund this expansion.

Additional Details

• Selling 70% of Residuals: The seller is retaining 30% of the portfolio.

• Right of First Refusal: The processor has not yet waived the right of first refusal.

• Time Left on Contracts: Contracts are in place with auto-renewal.​

​

AVAILABLE - Merrick/Esquire High Risk Portfolio - AVAILABLE

​

Portfolio Highlights

• Monthly Net Residual Earnings: $65,000 (average over the last 12 months)

• Gross Residual Earnings: $80,000

• Active Merchants: 170 nationwide accounts

• Business Types: 50% retail, 50% card-not-present (CNP), specializing in high-risk industries

• Portfolio Age: Established in 2007

• Attrition YTD: $6,000 monthly lost to a POS company

​

Key Features

• Merchant Contracts: Yes, with early termination fees in place

• Pricing Model: IC + 50bp, with 25% of the portfolio utilizing cash discounting

• Terminal Leasing: None of the merchants lease terminals

• Gateway Providers: Auth.net and NMI

• Processor Split: Varies (90/10, 80/20, 70/30, 50/50)

​

Agent and Operational Details

• Agents: 20 agents currently working under the seller

• New Accounts Added Monthly: 5 on average

• Office Location: Fort Lauderdale, FL

• POS Integration: None

​

Why This Portfolio Stands Out

• High-Risk Focus: A specialized portfolio catering to high-risk industries, offering a unique niche in the market.

• Strong Merchant Retention: Minimal attrition with only $6,000 monthly lost YTD.

• Clean Financials: No existing liabilities or accounts payable.

• Growth Potential: Opportunity to expand the portfolio with additional agents and marketing strategies.

​

AVAILABLE - Titanium Payments/TSYS - AVAILABLE 

 

Portfolio Overview

• Monthly Net Residual Earnings: $42,300 (average over the last 12 months).

• Number of Active Merchants: 188 active accounts.

• Merchant Locations: Merchants are located across the United States.

• Business Types: Retail (85%), wholesale, and service industries.
   

Portfolio Details

• Portfolio Established: 2019.

• Attrition (YTD): Zero lost income reported.

• Top Accounts: 12 merchants make up the top 25% of accounts.
   

Pricing and Contracts

• Merchant Contracts: First-year contracts with a $300 early termination fee.

• Pricing Model: Interchange-plus; no cash discounting offered.

• Terminal Leasing: None of the merchants lease terminals.
   

Operations

• Office Location: Asheville, NC.

• POS Integration: Yes.

• Gift Card or Cash Advance Program: Operated in-house by the seller.

• Agents: 3 agents work under the seller.
   

Processor Relationship

• Residual Split with Processor: 80/20 split in favor of the seller.

• Direct with Processor or ISO Agent: ISO agent.

• Gateway Provider: No.

• Right of First Refusal: The processor has not waived the right of first refusal.
   

Reason for Sale

• Motivation: The seller wishes to start a new portfolio but is not exiting the industry.

• Portfolio Sale: The entire portfolio is being sold (not a partial sale).

• Liabilities: There are no existing liabilities or accounts payable.

 

Growth Potential
New Accounts: Negotiable

 

AVAILABLE - Finical/TSYS - AVAILABLE 

​​​​

Portfolio Overview
Monthly Net Residual Earnings: $65,215 (average over the last 12 months).
Number of Active Merchants: 223 active accounts.
Merchant Locations: Merchants are located across the United States.
Business Types: Retail (95%), wholesale, and service industries.
Portfolio Age: 1.5 years.
Attrition (YTD): $7,860 in lost income.
 

Pricing and Contracts
Merchant Contracts: First-year contracts only.
Early Termination Fee: At the seller's discretion.
Pricing Model: Interchange-plus; no cash discounting offered.
Terminal Leasing: None of the merchants lease terminals.
 

Operations
Office Location: Asheville, NC.
POS Integration: Yes.
Gift Card or Cash Advance Program: Operated in-house by the seller.
Agents: 12 agents work under the seller.
 

Processor Relationship
Residual Split with Processor: 90/10 split in favor of the seller.
Direct with Processor or ISO Agent: ISO agent.
Gateway Provider: No.
Right of First Refusal: The processor has not waived the right of first refusal.
 

Reason for Sale
Motivation: The seller wishes to create a new portfolio but is not exiting the industry.
Portfolio Sale: The entire portfolio is being sold (not a partial sale).
Liabilities: There are no existing liabilities or accounts payable.
 

Growth Potential
New Accounts: Negotiable​​

​

ON HOLD - Wholesale First Data Enterprise Sale - ON HOLD 

​

Monthly net residual earnings (avg over last 12 months): $100,000 

Number of active merchants? 680

Where your office is located? Northeast

Where are merchants located? East Coast

Types of businesses? Most are Brick and Mortar

POS integration? Some Clover Merchants,  Most are stand alone terminals

Merchant contracts? Not sure what this is looking for?

Early Termination Fee? Most merchants are beyond early termination period

What is your typical merchant pricing? 3 Tier, Interchange Plus, Cash Discount

Cash Discount? Yes 

If Cash Discount, what % of portfolio? 20%

What percentage of your merchants lease terminals? None

Age of portfolio: Year? 20 Years

Number of merchants in the top 25% of accounts:16

Attrition YTD (lost income): One Year attrition 10%

How many agents (not including yourself)? 0

Split with processor? Wholesale no split with processor

Percentage of retail/CNP merchants? 3%

Gift card or cash advance program in place? Yes

Direct with processor or agents of ISO? Processor

Gateway provider? Authorize

Time left on contract? Annual renewable

Willing to sign up as agent of buyer? Will stay on for earnout

Why selling? Retiring

Getting out of industry? Yes

Selling all or portion of residual? All

Has your processor waived right of first refusal? Not Yet

Are there any existing liabilities or accounts payable? No​​

​​

AVAILABLE  - Hard To Place Merchants Enterprise Sale - AVAILABLE 

​

Monthly residual earnings (avg over last 12 months): 195k gross / 96k Net
Number of merchants? approx 400
Where merchants located? 98% USA 1 % EU 1% CDN.
Types of businesses? Hard to acquire accounts
What is your typical merchant pricing? Varies
What percentage of your merchants lease terminals? None
Inception of portfolio: Year? 2000
Attrition YTD (lost accounts): 3%
Platform? US and EU
How many agents? 1500 Referral Partners, 10-20 Active
Split with processor? Varies
Percentage of retail/moto/internet merchants? 1% retail , 85% ecom, 14 % Moto
Gift card or cash advance program in place? NO
Direct with processor or agents of someone? 97% Direct
Gateway provider? NMI, Fluid pay , Authorize[dot]net , Inovio
Willing to stay on board? Yes, for earnout
Why selling? Eventual Retirement
Getting out of industry? Yes
Selling all or portion of residual? Enterprise Sale
Has your processor waived first right of refusal? Waived
Are there any existing liabilities or accounts payable? None
Average number of new accounts added per month? 10 New Accounts

 

AVAILABLE - Data Driven Omni-Channel Platform - AVAILABLE​

 

Over $20M invested into a cutting-edge FinTech platform, hosted on Microsoft Azure and PCI Level 1 Certified. This advanced platform is supported by its founding engineering and merchant services teams, ready to propel your business into a leadership position in business services—far beyond just payments.

The Swiss Army Knife of Digital Payment Solutions

Our platform is a true Omni-Channel solution, designed to meet the needs of B2B, B2C, and C2B markets across in-person, mobile, and online channels. It provides scalable business and transactional processing for both Enterprises and SMBs.

Key Features and Capabilities

The platform supports all payment types, including:

• Card, ACH, cash, crypto, split pay, multi-tender, stored value, and more.

• Robust APIs (think Stripe) for seamless integration.

• Gateway solutions (iFrames, Widgets, CNP, CP).

• Event management tools (think Eventbrite).

• POS systems (think Square) and mobile payment apps (native Android and iOS).

• E-commerce solutions (think Lightspeed) with inventory management.

• Accounts Receivable (A/R) and Accounts Payable (A/P) tools, including:

  • Payment requests, invoicing, text-to-pay, and ACH solutions.

  • Recurring and on-demand contracts.

  • Membership management and e-boarding.

Additional services include PayFac, B2B payments, outreach tools (Engage), and more—making this platform a one-stop shop for modern payment and business needs.

Unmatched Value for Software Platforms

If you’re a software platform currently outsourcing payments to another acquirer, we can significantly improve your margins. As a wholesale ISO/MSP with buy rates below 3bps over interchange, we manage risk and underwriting in-house, including AML, KYC, and BSA support for both acquiring and issuing services.

 

Our platform is currently integrated with TSYS, and our diverse portfolio includes a recently signed 3-year agreement with one of the largest hospital groups in North America for software and payment services.