What is your residual or portfolio worth?
Answer a few questions about your book, verify your email, and your confidential valuation report arrives in under 60 seconds. Grounded in real 2026 transaction multiples from 200+ closed residual, portfolio, and ISO deals.
Your book
We value a whole operating ISO on EBITDA, and a merchant portfolio or residual stream on monthly residual.
Income you actually receive each month after splits, agent commissions, and processor share.
Percent of net residual lost per year to merchant churn and account closures.
Verify your email and your range appears on screen, with the full confidential report (sharp midpoint, factor-by-factor breakdown, and what a competitive process typically adds) delivered to your inbox in under 60 seconds.
Strictly confidential. We use your details only to prepare your report and, with your interest, to follow up. No spam. No list-selling.
How this calculator works.
It starts from a base metric and a base multiple drawn from real 2026 transaction data, then adjusts the multiple up or down for the factors buyers actually pay for. Answer the questions, verify your email, and your range appears on screen with the full report delivered to your inbox.
A merchant portfolio or residual stream is valued on net monthly residual across a wide band, from the low teens for small books up to 55x-65x for large, low-attrition, software-locked portfolios. High-risk books cap near 36x. Attrition and scale are the biggest drivers, followed by integration, processor relationship, production, vertical mix, and documentation.
A whole operating ISO is valued on adjusted EBITDA: legacy ISOs trade roughly 6x to 8x, while software-integrated ISOs can reach 10x to 18x. Growth, attrition, integration, and clean books move it within that band.
The calculator outputs a range, not a false-precision point, because real valuations depend on process tension and buyer-specific premiums that no formula fully captures. For a precise valuation grounded in your data, the first conversation is free.
Valuation questions, answered.
What is my merchant portfolio or residual worth?
A merchant portfolio or residual stream is valued as a multiple of your net monthly residual. The multiple rises with size and the health of the book: a larger, low-attrition, portable, software-integrated portfolio sits at the top of the range, while a small, high-attrition, agent-level book sits lower. This calculator estimates that range from the inputs you provide, calibrated on real 2026 transaction multiples from 200+ closed deals.
How is a whole ISO valued versus a residual stream?
A whole operating ISO is valued on adjusted EBITDA. Legacy ISOs trade roughly 6x to 8x EBITDA, and software-integrated ISOs can reach 10x to 18x. A merchant portfolio or residual stream is valued on monthly residual instead, across a wide band driven mostly by attrition and scale.
How accurate is this valuation calculator?
It gives a defensible range, not a false-precision number. A real valuation depends on diligence-validated figures, competitive process tension, and buyer-specific factors no formula fully captures. Residuals for Sale, a division of 733Park, typically achieves about 18% more than a self-managed sale by running a competitive process. For a precise number grounded in your actual book, the first conversation is free.
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