Portfolio Buyouts | Sell Your Merchant Residuals

We Buy Merchant Portfolios

We acquire full or partial merchant portfolios from agents, ISOs, and payments organizations, with deal structures built around portfolio quality and retention.

Unlock New Capital, Simplify Operations, and Plan Your Next Move

Your portfolio is an asset, one you’ve built account by account. A portfolio sale can turn future residuals into immediate capital to reinvest, de-risk, or fund your next stage of growth. Whether you’re retiring, restructuring, or scaling into new markets, a buyout can help you move faster with more flexibility.

Common reasons sellers consider a buyout:

Reduce Administrative Overhead Tied To Servicing And Retention
Create Liquidity For A New Venture, Acquisition, Or Expansion
Simplify Succession Planning Or Partner Transitions
De-Risk Portfolio Concentration And Revenue Volatility
Exit On Your Terms With A Structured, Professional Process

What We Acquire

Level 3 Payments evaluates portfolios across a wide range of sizes and business models. We can discuss full-portfolio acquisitions, targeted account sets, or partial buyouts depending on what you’re trying to accomplish.

Portfolio Types We Commonly Evaluate

Transparent Valuation Built on the Core Fundamentals of Your Portfolio

While every portfolio is unique, buyers consistently evaluate the same core factors when determining value. Our approach is grounded in these fundamentals, providing clarity, consistency, and credibility throughout the valuation process.

Portfolio Stability/Attrition : Lower churn typically supports stronger valuation.
Concentration Risk : Portfolios that aren’t overly dependent on a handful of large merchants tend to be more attractive.
Diversity : Industry and geographic diversity can reduce risk.
Pricing & Contract Health : Reasonable pricing and cleaner terms can support retention.
Age and Track Record : Longer processing history may inspire more confidence in the durability of the revenue stream

Flexible Deal Structures

Portfolio transactions can be structured to reflect risk tolerance, retention expectations, and your preferred exit strategy. We present clear options so you understand how value is delivered and how timing, performance, and control factor into the outcome. While many transactions include an upfront payment at closing, others incorporate performance-based components tied to portfolio retention or revenue over time.

Platforms That Fit the Merchant (and the Deal)

Upfront Purchase at Closing : A single payment that provides a clean and complete exit.
Closing Payment Plus Earnout : Combines immediate proceeds with additional payouts based on post-sale performance.
Partial Buyout : Sell a portion of the portfolio now while retaining ongoing income from the remainder.
Structured Transition : A defined handoff period with clearly outlined post-sale responsibilities and timelines.

Frequently Asked Questions

Can I sell only part of my portfolio?

Yes. Many sellers choose to sell a portion of accounts or a percentage of their residual stream.

How do you determine what my portfolio is worth?

Valuation typically starts with monthly net residuals and adjusts for attrition, platform considerations, portfolio age, merchant mix, and risk factors like chargebacks and fraud.

Do you offer earnouts?

Earnouts are a common way to structure deals, often alongside an upfront closing amount—so pricing reflects actual portfolio performance over time.

How do you keep merchants from being disrupted after the sale?

We focus on transition planning, platform/POS fit, and support coverage—because retention is a major driver of portfolio value.

What could slow down a portfolio sale?

Incomplete reporting, unclear agreements, and contractual constraints (like rights of first refusal) are common friction points.

Want a Portfolio Valuation? Let’s Talk

Tell us a bit about your residual stream and your goals. We’ll outline next steps and what we’d need to review to provide a valuation.