Portfolio BUYER

LOI - CardConnect Portfolio Sale - LOI

 

Portfolio Highlights:

• Monthly Net Residual Earnings: 116k/mo (12-month average)

• Active Merchants: 245 (primarily in Arizona & Michigan, with others nationwide)

• Top Accounts: 91 merchants represent the top 25% of the portfolio

• Business Types: 100% retail

• Portfolio Age: 14 years

• Attrition: Low 

• Equipment Leasing: Only 1% of merchants lease equipment

• New Accounts: Average of 5 new accounts added per month

 

Processing & Technology:

• Processor Split: 65/35 (Launch Program - No Costs)

• Gateway Providers: Auth.net on 15 accounts

• POS Integrations: Yes

• Merchant Contracts: Standard 3-year terms

• Early Termination Fee: 795

• Pricing Model: Cash Discount & Interchange

• Gift Card/Cash Advance Programs: 10 merchants enrolled

 

Operational & Financial Details:

• No existing liabilities or accounts payable

• No additional agents

• Seller is retiring and exiting the industry

• Full portfolio is for sale (not a carve-out)

• Transition assistance: 90 days of post-sale support

​

Why This Portfolio Stands Out: 

• 14 years of proven performance and stability

• 1.39M/year net residuals, 245 active retail merchants

• Clean financials, no liabilities

• Full portfolio available

• Transition support included

​

​​​LOI - PayCompass Stream/Partial Sale - LOI

​

Portfolio Highlights

• Guaranteed Monthly Net Residual Earnings: 10k of 25k (fixed for 24 months). Full residual would be redirected to Buyer for 2 years, then Buyer/Seller will select MIDs equal to 10k or buy the rest of portfolio. 

• Total Portfolio Average Residuals: 25k (12-month average)

• Active Merchants: 74 accounts, located in California

• Business Types: Diverse (90% retail)

• Portfolio Age: 3 years established

• Attrition Rate: 5% YTD (very low)

• Top Merchants: 10 merchants represent the top 25% of accounts

• Cash Discount Program: 40% of merchants enrolled
   

Key Features

• Merchant Contracts: Flexible terms (no standard contracts)

• Pricing Model: 40 bps typical merchant pricing

• POS Integration: A few Clover & Mynt

• Terminal Leasing: None (0% of merchants lease equipment)

• Early Termination Fee: $0

• Agent and Operational Details

• Agents: 1 additional agent (not including seller)

• Office Location: California

• Processor Split: 75/25 revenue split

Why This Portfolio Stands Out

• Guaranteed Income: Locked-in $10,000/month residual stream for 2 years

• Diversified Base: 74 merchants across various business types, primarily retail

• Value-Added Services: 40% of merchants utilize cash discount program

• Support Included: Seller will assist with transition and remain available for up to 2 years

• Clean Financials: No liabilities or accounts payable

​

Seller Profile

• Why Selling: Raising capital funds

• Industry Status: Not exiting the industry; strategic capital move

• Willing to Stay On: Yes, as agent for buyer, and will provide transition support for 2 years.
   

AVAILABLE - WorldPay (Mercury Payments) Portfolio - AVAILABLE

​

Portfolio Highlights

• Monthly Net Residual Earnings: 15K (6-month average)

• Active Merchants: 102 accounts, located on East Coast

• Business Types: 100% Restaurants

• Portfolio Age: Established 5-6 years ago

• Attrition Rate: 20% YTD

• Concentration: 4 merchants make up 20% of income

 

Key Features

• Merchant Contracts: 1-3 years remaining

• Pricing Model: Interchange Plus Pricing (100% of portfolio)

• Typical Merchant Pricing: IC Plus structure

• POS Integration: PointOS Software integration in place

• Terminal Leasing: None (0% of merchants lease terminals)

• Agent and Operational Details

• Agents: 2 additional agents (not including seller)

• Office Location: California

• Processor Split: Direct relationship (no ISO split)

• Relationship Status: Direct with processor

 

Why This Portfolio Stands Out

• Proven Growth: Consistent 2 new accounts added monthly

• Restaurant Specialization: 100% focused niche market

• Value-Added Services: Gift card and cash advance programs in place

• Clean Transfer: Processor waived right of first refusal

• Contract Security: 1-3 years remaining on merchant agreements

• Clean Financials: No liabilities or accounts payable​

​

Seller Profile
Why Selling: Reinvesting capital in new ventures
Industry Status: Not exiting industry - strategic reinvestment​​

​

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.