ISO & Merchant Portfolio Valuation Calculator.
Get a defensible valuation range for your portfolio in under 60 seconds, grounded in real 2026 transaction multiples from 209 closed payments deals. Confidential. No email gate.
Your portfolio
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.
- •Configure inputs and recalculate.
How this calculator works.
The valuation starts with your net monthly residual, then applies a base multiple, then adjusts up or down for the five quality factors.
Base multiple range. 2026 ISO and merchant portfolio sales clear between 12x and 36x monthly residual. The midpoint is around 22x for an average portfolio.
Attrition adjustment. The single biggest driver. Portfolios under 7% attrition get a meaningful premium. Above 18% gets a meaningful discount.
Processor adjustment. Direct ISO with premium processors trades at full multiples. Sub-ISO arrangements typically face 15-30% discounts.
Production adjustment. Active boarding adds 2-5 turns versus a static book. The implied growth engine is itself an asset.
Vertical adjustment. Premium verticals (health, professional services, modern POS) command higher multiples. High-risk verticals face discounts.
Documentation adjustment. Clean books, signed agreements, no disputes hold full value. Gaps compress the multiple.
The calculator outputs a range, not a point estimate, because real-world valuations depend on process tension and buyer-specific premiums that no formula can fully capture. For a precise valuation grounded in your data, the first conversation is free.
Want a deeper valuation grounded in your actual numbers?
A 30-minute call with Lane will get you a defensible range with the qualitative factors that move the multiple in your specific situation.
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