Ready to Sell Your Merchant Portfolio?

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De-risk Your Portfolio

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Raise Capital

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Buyout Your Partners

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Grow & Expand

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      GET A VALUATION

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      What Are the Benefits of Selling My Merchant Portfolio?

      Why Join The Best ISO Agent Program?

      There are a number of benefits to selling your merchant credit card processing portfolio including risk reduction to an influx of capital, but the most important perks come from working directly with PaymentCloud. Our quick assessments, great multiples, fast funding, and fully transparent, whiteglove transfer process is unmatched in the industry.

      Selling your merchant portfolio is a big decision, let us help you get there.

      How Much is My Portfolio Worth?

      Valuing a merchant portfolio is a complex process and there are many factors that can influence the valuation. Selling your books is also not just a cut and dry number, it is often offered at a ‘multiple,’ which means that the investor pays for more than the book is worth based on its estimated annual earnings.

      To get a true price, reach out to us about your specific portfolio.

      What Factors Influence My Portfolio Valuation?

      • Account attrition

        The rate at which merchants close their accounts will have a direct impact on the value of the portfolio. A high account attrition rate indicates that there is a higher risk associated with the receivables, which will result in a lower valuation. On the flip side, a purchaser will pay more if they think your accounts will stay in the portfolio for a long time.

      • Future production capacity

        You'll get a much higher valuation if you've built a sales engine that will keep running after the sale. This is called the "enterprise value" and it comprises all of the hard work you've put in to build your company. This is because the acquirer will be able to generate additional revenue from the new merchant accounts.

      • Portfolio size

        The size of the portfolio is also a factor that can influence the valuation. A larger portfolio will typically be valued higher than a smaller portfolio.

      • Age of accounts

        How long your accounts have stayed on your books shows how sticky your merchants are and that is important to investors. The longer the accounts are around, the better position you’re in.

      • Account types & industries

        We specialize in high risk, so industry type doesn’t scare us away like some other investors. Just let us know what to expect so we can give you the best multiple possible on those accounts.

      • Agreement exclusivity

        Today, most ISO agreements provide for a non-exclusive relationship between the ISO and processor, but if this is not the case, then that will be taken into account when evaluating value.

      Sell Your Merchant Portfolio Today

      With a team of experts who are well-versed in the valuation process, we can help you get the most for your portfolio.

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