FAQ
Everything sellers ask about residuals and portfolios.
Valuation, multiples, buyers, the first right of refusal, and the process, in plain English.
Frequently asked
Selling Your Residual or Portfolio
How do I sell my merchant portfolio?
Start with a confidential conversation and a valuation. We position your portfolio, take it to a curated pool of vetted buyers in a competitive, auction-style process, manage the processor's first right of refusal and the diligence, and negotiate the best price and terms through close. You stay anonymous until a serious buyer is under NDA.
How do I sell my residuals for the most money?
Run a competitive process instead of taking the first offer. Buyers pay more when they know they are bidding against others. We bring the buyer pool, the comparable deals, and the leverage. On average our process adds 12 to 18 percent versus what owners get cutting their own deal, which more than covers our fee.
Can I sell my merchant residuals myself?
You can, but most owners get one or two offers and leave money on the table. We run an auction across the largest active buyer database we know of in payments, and we know how each buyer prices a book. The lift and the better terms typically more than cover our fee.
What is the first right of refusal and how does it affect my sale?
Most processor or ISO agreements give them one to two weeks to match an offer on the table. You do not want to trigger that right with a lowball number, because they will simply take the deal at that price. We structure the process and the offer so the first right of refusal works for you, not against you.
Do I need a lawyer to sell my residual?
We give you business guidance on the deal and the process. For legal questions, we connect you with payments-industry attorneys who handle the contract nuances, clawbacks, and non-solicit terms. Most residual and portfolio sales hinge on getting both the business and legal pieces right.
Frequently asked
Valuation
How much is my merchant portfolio or residual worth?
Value is generally a multiple of your monthly residual or net revenue, and the larger the book, the higher the multiple. A portfolio over 100,000 dollars a month earns a higher multiple than a significantly smaller one, and a portfolio over 1,000,000 dollars a month earns more still. Multiple also depends on attrition, portability, merchant type, card-present versus ecommerce mix, and whether future production is included.
What multiple do merchant portfolios sell for?
It varies with size, attrition, and portability, so a single quoted number would be misleading. We give you a real range based on what buyers are actually paying right now and the specifics of your book, not a textbook figure.
What factors lower my valuation?
Account attrition (merchants closing or leaving), revenue attrition (merchant volume declining), lack of portability (you own only the residual stream, not the merchant agreement), risky or low-quality merchant categories, and no ongoing production of new accounts. We help you frame each of these so they cost you as little as possible.
Is now a good time to sell my residual?
It has been a strong seller's market for merchant portfolios and residuals, with active buyers of every size in the market. The right time is usually when your book is healthy and growing rather than after attrition sets in. We will tell you honestly where the market is for a book like yours.
Frequently asked
Process & Buyers
Who buys merchant portfolios and residuals?
ISOs, processors, private-equity-backed platforms, and strategic acquirers. We maintain what we believe is the largest active buyer database for residuals, merchant portfolios, and ISOs, and we match your book to the buyers most likely to pay a premium for it.
Is the process confidential?
Yes. Prospective buyers see your details only after signing an NDA. Your identity and numbers are protected until a serious, qualified buyer is at the table.
How long does it take to sell a residual or portfolio?
Most residual and portfolio sales close in a matter of weeks to a few months, depending on the size of the book, processor cooperation, and how quickly diligence moves.
Frequently asked
About Residuals for Sale
What is Residuals for Sale?
Residuals for Sale is the merchant-portfolio and residual sell-side practice of 733Park, a boutique payments, fintech, and SaaS M&A firm. We represent ISOs, agents, and payments companies selling their merchant residuals, merchant portfolios, or ISOs, and run a competitive process to get the highest price and best terms.
Are you the same company as 733Park?
Yes. Residuals for Sale is a division of 733Park focused specifically on residuals, merchant portfolios, and ISO sales. Same senior team, same 25-plus years in payments, same buyer network.
What does it cost to work with Residuals for Sale?
Engagements are typically structured as a success fee tied to the sale, agreed up front and put in writing before you commit. Because our competitive process usually lifts the price 12 to 18 percent over a self-run deal, the fee tends to pay for itself.
Still have a question?
Call or send us a note and we will walk you through it. The first conversation is free and confidential.
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