Residuals for Sale
Sell your residuals or portfolio

Sell your residuals for the most money, not the first offer.

Most owners get one or two offers and call it a day. We run an auction across the largest buyer database we know of, and it typically adds 12 to 18 percent over what you would get on your own.

Get a free valuation How it's valued

Why sell with Residuals for Sale

You are a specialist at building a payments business. We are specialists at selling one. We have closed hundreds of residual and portfolio sales, we know what the buyers pay, and we know how to make them compete. When you need legal work done, you hire a lawyer. When you sell the book you spent years building, hire someone who does this every day. The lift and the better terms more than cover our fee.

The process

From your book to your bank account.

1

Confidential valuation

Tell us about your book: monthly residual, processor, merchant mix, and whether you own the agreements. We give you an honest range, not a sales pitch.

2

We position and package

We build the story buyers underwrite, anonymize your identity, and prepare the data so diligence moves fast and nothing spooks a buyer.

3

Competitive process

We take your portfolio to a curated pool of vetted buyers under NDA and run them against each other on price and terms.

4

Manage the first right of refusal

We structure the offer and timing so your processor's right of refusal works in your favor instead of capping your price.

5

Close and get paid

We negotiate the holdback, earnout, and non-solicit, manage diligence, and stay in the deal until the funds hit your account.

A word on the first right of refusal

Most processor and ISO agreements give the processor one to two weeks to match any offer you bring them. This is where sellers get burned. Trigger that right with a lowball number and the processor simply takes the deal at that price. We structure the process and the offer so the right of refusal protects your value instead of capping it. It is one of the biggest reasons not to do this alone.

Selling FAQ

Selling questions, answered.

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.

Ready to see what your book will bring?

One confidential conversation. We tell you the range, the buyers, and what it takes to get the top of the market. Free, no obligation.

Get a free valuation