Residuals for Sale
For buyers

Merchant portfolios for sale.

Residuals for Sale brings ISO books, agent residual streams, and merchant portfolios to market for sellers across the United States. If you buy portfolios, this is where you register, tell us what you are looking for, and get first look at books that fit.

Register as a buyer See current offerings at 733Park

What is on the market

We represent sellers, so every book we bring to market has an owner who has decided to sell and has been through our valuation first. Books are shared as blind profiles: processor, monthly net residual range, merchant count, attrition trend, vertical mix, and what the seller wants (a clean residual sale, a full ISO sale, or something in between). Identifying detail is released only after an NDA.

Active listings from across 733Park, including merchant portfolios and ISOs, are on 733Park's Current Offerings page. Registered buyers hear about new books before they are listed there.

How to buy a merchant portfolio through us

  1. Register. Tell us who you are, what you buy (residual streams, whole ISOs, or both), the processors you can board or already work with, size range, verticals, and any geography preference. Register here.
  2. Get matched. When a book fits your criteria we send you the blind profile. If you want it, you sign the NDA and receive the full package.
  3. Bid. We run a competitive process. You will know the timeline, what the seller cares about beyond price, and whether a processor consent or right of first refusal is in play.
  4. Diligence and close. Residual statements, merchant-level data, agreements, and processor coordination. We stay in the deal until funds move and the residuals are redirected.

Who sells, and why

ISO owners consolidating or retiring. Independent agents who built a book over ten years and want the lump sum now. Payments companies carving out a portfolio that no longer fits. Estates. Most books we handle produce between $25,000 and $4 million a month in net residuals. Sellers come to us because a competitive process beats the first offer, which is also why the books you see here have been valued and packaged before you see them.

How buyers price a portfolio

A multiple of monthly net residual, adjusted for the things that determine whether that residual is still there in three years: attrition (account and revenue), portability and assignment rights, processor and BIN, merchant concentration and vertical mix, and whether the book is still producing. We publish how we think about it in how residuals are valued, what a typical buyout multiple is, and how attrition affects portfolio value. Buyers who read those before bidding tend to win the good books.

Deal structure

Cash at close with a holdback or attrition test is the norm; earnouts show up on growing books; partial sales happen. What each of those does to price and risk is in how portfolio sales are structured. Buying the whole ISO rather than the stream? That is valued on EBITDA and run as a full M&A process by 733Park's payments M&A team.

Selling, not buying?

Start with a free, confidential portfolio valuation, or read how we sell residuals and portfolios.

The numbers behind the process

12-18%
Average lift vs. cutting your own deal
$10B+
Transaction volume across 733Park
200+
Deals closed by 733Park
25+
Years in payments M&A
Buyer FAQ

Questions buyers ask first.

How do I see merchant portfolios that are for sale?
Every book we represent is shared first with registered buyers who match its profile, then listed as a blind profile on 733Park's Current Offerings page. Register as a buyer, tell us your criteria, sign our NDA, and we send you the full package: residual statements, merchant summary, processor agreements and the seller's objectives.
Who sells merchant portfolios and residual streams?
ISO owners consolidating or retiring, independent agents cashing out a book they built over years, payments companies carving out a non-core portfolio, and estates. Most of what we bring to market is between $25,000 and $4 million in monthly net residuals.
How are merchant portfolio purchases priced?
As a multiple of monthly net residual, adjusted for attrition, portability and assignment rights, processor, merchant concentration and mix, and whether the book is still producing. Buyers who model the attrition curve correctly pay a fair price and still earn a good return; buyers who quote a flat multiple to every book usually lose the good ones.
Can I buy just the residual stream and not the company?
Yes. Most listings are pure residual purchases: no employees, agents or brand attached. Where the seller wants a full ISO or company sale we say so up front, and 733Park runs that as a full M&A process.
How is a merchant portfolio purchase structured?
Typically cash at close with a holdback or attrition test over 6 to 12 months, sometimes an earnout for growing books. Deal terms are set in the purchase agreement along with the non-solicit and the processor consent, if one is required.

Buy merchant portfolios that have already been valued and packaged.

Register once, tell us your criteria, and get first look at books that fit. Direct contact with Lane Gordon.

Register as a buyer