How Much Is Your Portfolio Actually Worth? Run the Math.
Quick answer: monthly residual income equals active accounts times your average monthly residual per account. Set your numbers below to see annual income, and exactly how many accounts attrition quietly takes every year before any new sale counts as growth.
Accounts times residual, then attrition takes its cut.
Set your active accounts, average monthly residual per account, and annual attrition rate on the left. The panels on the right break out your income and exactly how many accounts attrition costs you every year.
Who this is for: Independent agents (MLS) use it to see what their own book is actually worth and what attrition costs them personally. ISOs managing a multi-agent portfolio use the same math at scale to size how much replacement recruiting or lead flow they need just to hold their book steady. The formulas are identical either way.
Your Portfolio
Enter your own current or projected book size. Not a published industry default.
Published figures conflict: $30 to $80 per account per month (orderpin.co) versus $50 to $300 per account per month (kokoquest.com). Both are vendor-blog estimates, not verified primary data. Set your own tracked number if you have one.
Default is 12%, inside CCSalesPro's reported 10 to 15% band for strong-performing agents. Industry-wide attrition can run 30 to 40%. Source: CCSalesPro, "Winning the Battle of Attrition," Mar 1, 2022.
Income Breakdown
Attrition Impact
Two conflicting residual figures exist. Here's why, and what to do about it.
No standardized, audited figure for merchant services residual income exists across the industry. Two vendor blogs publish the most-cited numbers found in published research, and they don't agree: $30 to $80 per merchant per month from orderpin.co, and $50 to $300 per merchant per month from kokoquest.com. Residual income depends on processing volume, your revenue split with your ISO or processor, pricing model, and portfolio mix, none of which are standardized, which is exactly why the spread is this wide. Treat both ranges as directional estimates, not settled fact, and use your own tracked number whenever you have one.
Monthly income
Active accounts multiplied by your average monthly residual per account. No compounding, just accounts times payout.
Annual income
Monthly income multiplied by twelve. What your current book is worth over a full year, held flat.
Accounts lost to attrition
Active accounts multiplied by your annual attrition rate. The accounts you must replace before any new sale is actual growth.
Attrition is the harder-to-see number, and the more important one. CCSalesPro, the leading practitioner-content authority in this niche, reports that even agents who are genuinely good at selling merchant services typically lose 10 to 15% of their portfolio every year, and that industry-wide attrition can run as high as 30 to 40%. This calculator defaults to 12%, inside that top-agent band, on the assumption that most readers running this tool are already performing reasonably well.
The practical consequence: if your attrition rate is 12% and you close new accounts at a slower pace than that, your book is shrinking in real terms even as your closing calendar stays full. "New accounts needed to stay flat" is the number you have to beat before you can call anything else growth.
Every default, traced to a source.
No number on this page is invented. Here is exactly where each default came from.
- $30 to $80 monthly residual per account: vendor-blog estimate, not verified primary data. Source: orderpin.co, "MLS vs ISO vs PayFac: Which Model Fits Your Business" (2026).
- $50 to $300 monthly residual per account: vendor-blog estimate, not verified primary data. Source: kokoquest.com, merchant services lead generation resource.
- 10 to 15% annual attrition for strong-performing agents (default used here), and 30 to 40% industry-wide: Source: CCSalesPro, "Winning the Battle of Attrition in Merchant Services," Mar 1, 2022.
- Active accounts: a user-adjustable input, not a sourced industry default. Enter your own current or projected book size.
Residual income, answered.
How much residual income do merchant services agents actually make per account?
Why do published monthly residual figures range from $30 to $300 per account?
What's a normal attrition rate for a merchant services portfolio?
How many new accounts do I need to close just to stay flat?
Is this calculator built for individual agents, or for ISOs managing a team?
Now go acquire the accounts that offset attrition.
VA Horizon books exclusive, double-confirmed meetings with qualified merchants for ISOs and agents, Human + AI SDRs over SMS, never cold calls. Pay per booked meeting, no retainers, and a no-show never costs you a meeting. Book a 15-minute call to see your exact rate.
Book a CallMore B2B tools
Keep running the numbers
Recommended next steps