The Rundown: Tiered pricing groups transactions into broad buckets, which may look simple but can obscure why certain payments cost more. Interchange-plus pricing separates card network costs from the processor’s markup, making fees easier to explain. Agents need to understand the difference between tiered and interchange pricing, as confusion can…
Abstract For agents and ISOs, processor selection can influence more than merchant onboarding and transaction costs. Processor relationships may affect residual splits, residual reporting, merchant retention, risk exposure, contract flexibility, backend support quality, and the future marketability of a merchant services portfolio. This white paper outlines the primary factors agents…
Key Takeaways: Transitioning merchants smoothly should be largely invisible to the merchant The processor, pricing, and support structure remain unchanged Velocity Funding does not interfere with the agent–merchant relationship unless necessary Minimizing perceived change is critical to preventing confusion and attrition Why Transitioning Merchants Smoothly After a Portfolio Sale Matters…
Key Takeaways: Understanding how to structure a lucrative portfolio buyout helps you move beyond surface-level offers and focus on what you actually receive. Knowing how merchant account portfolios are valued gives you an advantage when structuring a sale and reviewing deal terms. Preparing merchant accounts in advance of an acquisition…
Key Takeaways: Understanding when and how to reprice merchant accounts strategically helps protect margins while keeping merchant relationships stable over time. A strong merchant account repricing strategy focuses on timing and communication, not just increasing rates across the board. Consistent adjustments support merchant account portfolio optimization by keeping pricing aligned…
Key Takeaways: Exit planning for ISO agents nearing retirement is about more than leaving the business. It’s about deciding how to turn long-term residual income into immediate value. Selling your ISO business before retirement can provide access to capital that would otherwise take years to collect through monthly residuals. Preparing…