Resources

I’ve Secured Growth Capital – Now What?
Smart Strategies for Payments Companies to Maximize Investment Securing outside investment is a major milestone for any merchant acquirer, but once the deal is done, a critical question quickly follows: “What’s the best way to put this money to work to optimize return, procure meaningful growth, and create long-term value?”

3 Attributes of a Payment Business That Will Make Buyers Swoon
In the merchant acquiring space, there are many drivers of value that need to be monitored if your strategy – short term liquidity to build the business, or long-term value creation – will require a monetization event. As with any monetization event, a premium valuation is key. Though there are

The Foundation of Your Payments Firm: The 3-Legged Stool
A thriving payments business stands on three foundational legs: Bottom line: A payments business built on just one or two legs won’t stand for long, nor will it create long-term value compared to other assets in the market. Focus on building up all three…it will pay dividends for you.

Selling Your Merchant Processing ISO: 4 Things That Make Your ISO More Attractive To Buyers
As the industry evolves, so do perceptions of value—what buyers once prized in merchant processing ISOs and portfolios has shifted significantly. In today’s market, expectations are sharper, strategies are more sophisticated, and the standards for what constitutes a “valuable” ISO have changed accordingly. As an ISO owner, it’s critical to

Sell vs. Borrow
Selling your merchant portfolio? Should you evaluate a loan instead? All businesses have capital needs from time to time, and merchant acquirers are no exception. The reasons are manifold: they range from growth initiatives, like acquiring another payment company or payment portfolio, to more defensive reasons like making rent or

How To Scale Your ISO
Attract new salespeople to open new markets It’s one thing to train and manage a finely-tuned sales engine with agents that are fluent in the mechanics of payment processing and card schemes (in addition to having a high-level understanding of the myriad SMB types). However, in the highly competitive merchant

Selling Your Merchant Processing Residual: First Right of Refusal
For many merchant level salespeople, selling your merchant processing residual can be an eye-opening experience. You had always heard of it being done, and in most cases, that the transaction itself was relatively simple. For the most part, this is true, at least comparatively speaking as opposed to selling a

Words That Kill (Deals)
Much of the merchant portfolio and ISO valuation focus is centered on the numbers ‒ revenue and charge volume attrition, revenue concentration, standard industrial classification and merchant category code distribution, and Europay, MasterCard and Visa chip technology conversion percentage. Often overlooked, much to the detriment of sellers, are the contractual

How Integrated POS and Infrastructure Technologies Lift Acquirer Valuations: Connecting the Dots
Theory has met reality in the merchant acquiring world. It’s no longer just an idea that there’s a ubiquitous convergence of technology and payments processing underway — it’s a fact. Before a merchant acquirer surrenders to this reality, however, and starts investigating which technologies may be worthwhile embracing, whether