Merchant-Processing Portfolios
Residual income, presented with precision.
EVYAR represents ISOs, agents, and portfolio owners selling merchant-processing residuals, and introduces them to qualified buyers who can underwrite recurring payment revenue.
Preparing a residual portfolio for sale.
A residual portfolio is only as valuable as a buyer’s confidence that the income will continue. Preparation is about making that income legible.
- 01
Residual statements
Monthly residual reports from each processor over a sustained period, showing how income has moved over time.
- 02
Merchant-level detail
Anonymized merchant data on volume, tenure, and industry, so buyers can assess attrition and concentration without identifying merchants.
- 03
Agreements and portability
Your ISO or agent agreements, including vesting, ownership of residuals, and whether they can be sold or assigned with processor consent.
- 04
Attrition history
How many merchants have closed or moved accounts, and why — the single most scrutinized factor in residual pricing.
- 05
Concentration
How much income depends on the largest merchants or a single industry, which affects how buyers price risk.
- 06
Servicing obligations
Who supports the merchants today, and what support a buyer would need to provide to retain the accounts.
How We Evaluate
Attrition, concentration, and contract portability.
Buyers price residual portfolios on how durable the income is and how cleanly it can be transferred. Our review is built around those questions.
- 01
Income durability
Trends in net residuals and merchant retention, separated from one-time or seasonal effects.
- 02
Risk concentration
Exposure to individual merchants, industries, or processors that could change the income profile after a sale.
- 03
Legal transferability
Whether the residual rights are owned outright and can be assigned, and which consents are required to complete a transfer.
- 04
Structure
Whether a buyer is likely to seek an outright purchase, an earn-out, or a holdback tied to post-closing retention.
For Buyers
Acquiring recurring payment revenue.
Buyers registered with EVYAR receive non-identifying summaries of residual portfolios that match their criteria. Statements and merchant-level data are released only after a non-disclosure agreement and qualification.
Before acquiring a residual portfolio, buyers should review residual history by processor, attrition and concentration, the seller’s contractual right to sell, and any processor consent requirements. We recommend that buyers engage their own legal, tax, and financial advisors for diligence.
Common Questions
Before you begin.
- Will my merchants or processor relationships be disclosed?
- No. Public summaries describe a portfolio in general terms only. Merchant and processor detail is disclosed only to qualified buyers under a non-disclosure agreement, and only with your consent.
- How are residual portfolios valued?
- Value is generally expressed relative to net monthly residuals, then adjusted for attrition, concentration, and portability. EVYAR does not quote a value before reviewing the statements and agreements.
- Can I sell if my agreement restricts assignment?
- Possibly. Many agreements allow a sale with processor consent. Part of our initial review is identifying which consents a transfer would require.