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Shaw Merchant Group

As the world increasingly adopts digital payments, the demand for merchant accounts and payment processing services continues to grow. For individuals looking to capitalize on this trend, becoming a payment processing agent and selling credit card processing services to small businesses can be highly lucrative ventures. In this report, we will explore the potential value of selling a merchant account portfolio, how to become a payment processing agent, and strategies for selling credit card processing services to small businesses.

Part 1: How much can I sell my merchant account portfolio for?

  • The value of a merchant account portfolio is typically calculated as a multiple of the monthly processing volume and the quality of the accounts.
  • Factors that can influence the value of a merchant account portfolio include the average transaction size, chargeback rate, industry verticals served, and overall profitability of the accounts.
  • Sellers can expect to receive anywhere from a 20x to 60x multiple of the monthly processing volume when selling a merchant account portfolio.

Part 2: How to become a payment processing agent?

  • To become a payment processing agent, individuals must first choose a reputable payment processor to partner with. Look for processors that offer competitive pricing, reliable customer support, and a wide range of services.
  • Once a partnership is established, agents can begin selling payment processing services to businesses in their network. This may involve cold-calling, networking, attending industry events, and leveraging online marketing strategies.
  • Payment processing agents earn commissions on every successful transaction processed through their referral links. The more businesses they sign up, the higher their potential earnings.

Part 3: How to sell credit card processing to small businesses?

  • When selling credit card processing services to small businesses, it is crucial to highlight the benefits of accepting card payments, such as increased sales, improved customer satisfaction, and streamlined operations.
  • Tailoring solutions to meet the unique needs of each business can help agents differentiate themselves from competitors. This may involve offering customized pricing plans, industry-specific features, and value-added services.
  • Building trust with potential clients is key to closing sales. Agents should be knowledgeable about the payment processing industry, responsive to client inquiries, and transparent about fees and terms.


Selling a merchant account portfolio, becoming a payment processing agent, and selling credit card processing services to small businesses are all viable ways to capitalize on the growing demand for digital payment solutions. By understanding the value of a merchant account portfolio, establishing partnerships with reputable payment processors, and employing effective sales strategies, individuals can maximize their profits in this lucrative industry. With the right approach and determination, anyone can succeed as a payment processing agent and achieve financial success in the rapidly evolving world of digital payments.

Selling a payment processing business can be a lucrative venture, especially if you have built a successful and profitable operation. It is important to understand the process of selling your business and the potential benefits of becoming a registered ISO for merchant services. In this report, we will outline the steps involved in selling your payment processing business and the advantages of becoming a registered ISO.

Steps to Sell Your Payment Processing Business

1. Evaluate Your Business: Before putting your payment processing business on the market, it is crucial to evaluate the financial health and overall value of your business. Consider factors such as revenue, profitability, customer base, technology, and growth potential.

2. Find a Business Broker: A business broker can help you navigate the process of selling your payment processing business. They can assist in valuing your business, marketing it to potential buyers, and negotiating the sale.

3. Prepare Financial Documentation: Potential buyers will want to review your financial statements, tax returns, and other relevant documents. Make sure to have these documents ready and organized to facilitate the due diligence process.

4. Market Your Business: Develop a marketing strategy to attract potential buyers for your payment processing business. Utilize online listings, industry conferences, and networking events to reach out to interested parties.

5. Negotiate the Sale: Once you have identified a potential buyer, negotiate the terms of the sale. Consider factors such as the sale price, payment structure, transition plan, and any contingencies that need to be addressed.

6. Close the Deal: Work with your legal and financial advisors to finalize the sale of your payment processing business. Ensure that all necessary documents are signed and that the transfer of assets and ownership is properly executed.

Benefits of Becoming a Registered ISO for Merchant Services

1. Increased Revenue Potential: As a registered ISO, you can earn revenue through merchant account residuals, equipment sales, and other payment processing services. This can provide a steady stream of income and potential for growth.

2. Access to Industry Resources: Registered ISOs often have access to industry resources, such as training programs, marketing materials, and support services. This can help you stay competitive in the merchant services market and attract new clients.

3. Flexibility and Control: By becoming a registered ISO, you have the flexibility to set your own pricing, choose your own technology partners, and tailor your services to meet the needs of your clients. This level of control can help you differentiate your business and attract new customers.

4. Brand Recognition: Working with a well-known payment processing brand as a registered ISO can help you build credibility and attract new clients. Potential customers may be more willing to trust your services if they are associated with a reputable brand in the industry.

5. Opportunities for Growth: Becoming a registered ISO opens up opportunities for growth and expansion in the merchant services market. You can leverage your relationships with clients and industry partners to increase your market share and revenue potential.


Selling your payment processing business can be a complex and challenging process, but with careful planning and execution, it can lead to a successful outcome. By following the steps outlined in this report and considering the benefits of becoming a registered ISO for merchant services, you can position yourself for success in the industry. Whether you choose to sell your business or pursue registration as an ISO, the key is to stay informed, strategic, and focused on your long-term goals.

    ©2023 Shaw Merchant Group is a registered DBA of EPX, a registered ISO of BMO Harris Bank N.A., Chicago, IL, Fresno First Bank, Fresno, CA, and Citizens Bank N.A., Providence, RI.