Portfolio BUYER

​​​AVAILABLE - PayCompass Stream Sale - AVAILABLE

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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

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Portfolio Highlights

• Monthly Net Residual Earnings: 22K (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

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

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​​​AVAILABLE - Multiple Portfolios - Stream Sale - AVAILABLE

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Portfolio Highlights

• Monthly Net Residual Earnings: 26,400

• Active Merchants: 241 accounts

• Merchant Locations: Nationwide

• Business Types: Primarily "mom and pop" brick-and-mortar, restaurants, and retail.

• Portfolio Age: Established in 2019

• Attrition YTD: Zero lost income reported

• Top 25% of Accounts: 10 merchants

Key Features

• Merchant Contracts: Yes, with early termination fee

• Pricing Model: $0.50 basis points + $0.10 per transaction

• Cash Discounting: Not utilized

• Terminal Leasing: 3% of merchants lease terminals

• Gateway Providers: Global, Authorize.net, NMI

• POS Integration: Not utilized

Agent and Operational Details

• Agents: 4 salaried agents (not including seller)

• Office Location: Miami, FL

• Processor Split: 80–100% in favor of seller.

• New Accounts Added: 15 - 20

Merchant Profile

• Retail/CNP Split: 75% retail, 25% card-not-present (CNP)

• Gift Card or Cash Advance Program: Not in place

• Direct with Processor or ISO: Agent of ISOs

• Time Left on Contracts: 2 years remaining

• Willing to Sign Up as Agent of Buyer: Yes

Financial & Legal

• Liabilities/Accounts Payable: Yes; paid in full to seller at closing

• Clean Financials: Except for the above liability

Reason for Sale

• Why Selling: To invest in another business

• Getting Out of Industry: No

• Selling All or Portion of Residuals: Selling all residuals

• Right of First Refusal: Not yet.

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​​​AVAILABLE - Volt/Fiserv Agent Portfolio - AVAILABLE

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Portfolio Highlights

• Monthly Net Residual Earnings: $14,000 (average over the last 6 months)

• Active Merchants: 115 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.​​​​​​

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AVAILABLE  - Hard To Place Merchants Enterprise Sale - AVAILABLE 

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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.