Portfolio · repricing
Your book, repriced
117 merchants · $24,311.34/mo residual · 12-mo trend
Portfolio exit value
$1,055,112
43.4× residual
Your book earns $24,311.34/mo in residual. What that book is worth depends on churn and software attach — payments-only books trade at 18–24×, low-churn attached books at 36–48×. Move the sliders.
Software attach rate80%
Share of merchants on BPS software
Monthly logo churn1.3%
Lower churn → higher multiple
Today
$1,055,112
At these settings
$1,055,112
$1,055,112
Book value today
43.4× residual
$24,311
Monthly residual
$6,946,092 volume
80%
Onramps live
94 of 117 on BPS
27
At-risk merchants
avg churn 21/100
Revenue lines
$84,589/mo
Software attach adds $60,278/mo beyond bare processing spread.
Est. AI cost $2.45/merchant/mo · $230.30/mo book-wide
- Processing spread$24,311/mo
- Software subscriptions$18,706/mo
- Capital referral$41,572/mo
The book · 117 merchants
80 live · 37 on bare processing- g86p3c7te4fg1$140/moRestaurant · 7 onramps7
- Rate Test$140/moRestaurant · Rio Grande Valley, TX6 onramps10
- Rate Test$140/moRestaurant · Rio Grande Valley, TX6 onramps12
- Rate Test$140/moRestaurant · Rio Grande Valley, TX6 onramps8
- Rate Test$140/moRestaurant · Rio Grande Valley, TX6 onramps12
- Sam Test Coffee 3789$140/moCoffee & Café · Rio Grande Valley, TX8 onramps8
- Victim Bakery Co$140/moBakery · Rio Grande Valley, TX7 onramps10
- Man and His Symbols$140/moGym & Fitness · Rio Grande Valley, TX6 onramps10
- medspa$140/moGym & Fitness · Rio Grande Valley, TX6 onramps8
- The Daily Grind$140/moCoffee & Café · Rio Grande Valley, TX7 onramps12
- The Daily Grind$140/moCoffee & Café · Rio Grande Valley, TX6 onramps12
- Test$140/moHVAC & Home Services · Rio Grande Valley, TX6 onramps13
- g86p3c7te4fg1$140/moRestaurant · 7 onramps10
- g86p3c7te4fg1$140/moRestaurant · 6 onramps10
- g86p3c7te4fg1$140/moRestaurant · 6 onramps11
- g86p3c7te4fg1$140/moRestaurant · 7 onramps13
- g86p3c7te4fg1$140/moRestaurant · 6 onramps13
- g86p3c7te4fg1$140/moRestaurant · 6 onramps12
- g86p3c7te4fg1$140/moRestaurant · 6 onramps12
- g86p3c7te4fg1$140/moRestaurant · 7 onramps13
- g86p3c7te4fg1$140/moRestaurant · 7 onramps10
- King Davies Roadside Rescue$140/moAuto Repair · Norfolk7 onramps10
- g86p3c7te4fg1$140/moRestaurant · 6 onramps8
- Cafe Ngon$140/moCoffee & Café · Pharr7 onramps8
- 10 + Seis$140/moRestaurant · McAllen7 onramps7
- Whiskey Taco$140/moRestaurant · McAllen7 onramps9
- SZN FIT 🔥🥗$140/moGym & Fitness · McAllen6 onramps11
- Doodl Cafe$140/moCoffee & Café · Rio Grande Valley, TX8 onramps13
- g86p3c7te4fg1$140/moRestaurant · 7 onramps12
- MÊ TEA MISSION, TX$140/moCoffee & Café · Mission6 onramps7
- Southern Roots Blooms Bubbly Brunch$140/moBakery · Mission8 onramps11
- Ironhand Barber Co.$140/moSalon & Barber · McAllen7 onramps10
- Rate Test$140/moRestaurant · Rio Grande Valley, TX7 onramps13
- Valley HVAC$140/moHVAC & Home Services · Rio Grande Valley, TX7 onramps12
- First Stop Bagels$140/moBakery · Edinburg, TX8 onramps10
- Ninth Street Barbers$140/moSalon & Barber · Rio Grande Valley, TX7 onramps10
- Rio Bravo Motors$8/moCar Dealership · Pharr, TX7 onramps13
- Frontera Roofing Co$4/moRoofing · Weslaco, TX8 onramps8
- Valley Comfort HVAC$3/moHVAC & Home Services · Pharr, TX8 onramps7
- Delta Property Group$3/moProperty Mgmt · Pharr, TX6 onramps8
- Cantu Family Dental$3/moDental · McAllen, TX8 onramps8
- Mesquite Grove Family Medicine$3/moMedical Practice · Edinburg, TX7 onramps10
- RGV Animal Hospital$2/moVeterinary · Harlingen, TX8 onramps12
- Onyx Med Spa$2/moMed Spa · McAllen, TX 785047 onramps9
- Delta Roofing & Exteriors$2/moContractor · Weslaco, TX6 onramps12
- Frontera Equipment Rental$2/moEquipment Rental · San Juan, TX8 onramps11
- Saenz Legal & Advisory$2/moProfessional Services · Mission, TX6 onramps7
- Palm View RV Park$2/moRV Park · Mercedes, TX8 onramps13
- Frontera Chiropractic$2/moChiropractic · Weslaco, TX6 onramps13
- Frontera Firearms & Range$1/moFirearms & FFL · Pharr, TX6 onramps8
- Amaida Machining$1/moContractor · McAllen, TX 785036 onramps8
- Rio Aesthetics Med Spa$1/moMed Spa · McAllen, TX7 onramps12
- Frontera Pawn & Loan$1/moPawn Shop · Brownsville, TX7 onramps7
- Rio Shine Car Wash$1/moCar Wash · Mission, TX6 onramps9
- Vela Supplements$1/moSupplements · McAllen, TX6 onramps10
- Guerra Auto & Collision$1/moAuto Repair · Mission, TX6 onramps10
- Frontera Threads Co$1/moE-commerce · McAllen, TX7 onramps7
- RGV Smoke & Kratom$1/moSmoke Shop · Pharr, TX6 onramps12
- Iron Vela Fitness$1/moGym & Fitness · Mission, TX7 onramps9
- Valley Self Storage$1/moSelf-Storage · Harlingen, TX6 onramps11
- Studio Vela Salon$1/moSalon & Barber · Edinburg, TX6 onramps9
- Corner Stop Market$1/moC-Store & Fuel · San Juan, TX7 onramps10
- Snack Stop$1/moC-Store & Fuel · Pharr, TX 785777 onramps8
- Peak Athletic Club$1/moGym & Fitness · McAllen, TX 785047 onramps10
- Cloud 956 Vape$1/moVape & Smoke · Edinburg, TX7 onramps8
- CrossFit Rio$1/moCrossFit Box · Edinburg, TX7 onramps7
- Frontera Law Group$1/moLaw Firm · McAllen, TX8 onramps8
- Silky Kream$1/moRestaurant · McAllen, TX 785018 onramps8
- Restaurant$1/moRestaurant · McAllen, TX6 onramps12
- Backyard Eatery$1/moRestaurant · Edinburg, TX 785397 onramps7
- Cajun Creations$1/moRestaurant · Edinburg, TX7 onramps13
- La Perla Boutique$1/moBoutique & Apparel · Brownsville, TX6 onramps12
- Matt's Building Supplies$1/moBoutique & Apparel · McAllen, TX 785037 onramps9
- Vela Yoga Studio$1/moYoga & Pilates · McAllen, TX7 onramps7
- Rio Hemp & Wellness$0/moCBD & Hemp · Edinburg, TX6 onramps7
- Staccato Coffee House$0/moCoffee & Café · McAllen, TX7 onramps7
- Cafecito Roasters$0/moCoffee & Café · McAllen, TX7 onramps11
- Vela Panadería$0/moBakery · Edinburg, TX8 onramps10
- Diego's Farm to Table$0/moRestaurant · McAllen, TX 785017 onramps8
| Merchant | Onramps | Open | |||
|---|---|---|---|---|---|
Garza's CocinaRestaurant · Mission, TX | $379,418 | $1,328 | Bare | 58 | |
El Nopal GrillRestaurant · Pharr, TX | $340,872 | $1,193 | Bare | 53 | |
Mariscos El PuertoRestaurant · Brownsville, TX | $335,768 | $1,175 | Bare | 49 | |
Panadería TreviñoRestaurant · Weslaco, TX | $332,287 | $1,163 | Bare | 47 | |
Taquería La MilpaRestaurant · Edinburg, TX | $315,400 | $1,104 | 1 | 47 | |
La Perla BoutiqueBoutique & Apparel · McAllen, TX | $269,995 | $945 | Bare | 49 | |
Studio Vela Salon & SpaSalon & Barber · McAllen, TX | $239,840 | $839 | Bare | 41 | |
Barbería CantúSalon & Barber · Harlingen, TX | $222,828 | $780 | 2 | 42 | |
Glow Beauty BarSalon & Barber · Edinburg, TX | $219,315 | $768 | 2 | 37 | |
Frontera ThreadsBoutique & Apparel · Brownsville, TX | $210,814 | $738 | 1 | 47 | |
Salinas Nail LoungeSalon & Barber · San Juan, TX | $185,309 | $649 | Bare | 55 | |
Rio Kids ShopBoutique & Apparel · Mission, TX | $184,467 | $646 | Bare | 57 | |
RGV Tire & LubeAuto Repair · Donna, TX | $175,779 | $615 | Bare | 55 | |
Longoria Western WearBoutique & Apparel · Mercedes, TX | $151,991 | $532 | Bare | 54 | |
Iron Vela GymGym & Fitness · McAllen, TX | $151,308 | $530 | Bare | 59 | |
Guerra Auto CareAuto Repair · Pharr, TX | $127,499 | $446 | 3 | 27 | |
Valley AestheticsMed Spa · Brownsville, TX | $127,460 | $446 | Bare | 48 | |
Peña CollisionAuto Repair · Harlingen, TX | $126,177 | $442 | 2 | 37 | |
Rio Grande Med SpaMed Spa · McAllen, TX | $125,674 | $440 | Bare | 49 | |
Valley Motors DetailAuto Repair · Alamo, TX | $114,371 | $400 | 3 | 27 | |
Frontera FitnessGym & Fitness · Edinburg, TX | $97,315 | $341 | 3 | 27 | |
Delta Athletic ClubGym & Fitness · Weslaco, TX | $94,994 | $332 | 3 | 27 | |
Ibarra Mini MartC-Store & Fuel · Elsa, TX | $89,806 | $314 | Bare | 56 | |
Vapor ValleyVape & Smoke · Pharr, TX | $85,719 | $300 | 2 | 37 | |
RGV Smoke & VapeVape & Smoke · San Juan, TX | $81,492 | $285 | 2 | 37 | |
Sáenz Pro SolutionsProfessional Services · McAllen, TX | $76,432 | $268 | Bare | 46 | |
Cloud 956Vape & Smoke · Mission, TX | $72,299 | $253 | Bare | 59 | |
Guerrero AC & HeatingHVAC & Home Services · Weslaco, TX | $62,959 | $220 | Bare | 45 | |
Valley Bookkeeping CoProfessional Services · Edinburg, TX | $60,565 | $212 | Bare | 57 | |
Corner Stop DonnaC-Store & Fuel · Donna, TX | $59,320 | $208 | Bare | 53 | |
Rio Quick MartC-Store & Fuel · Alamo, TX | $58,621 | $205 | 3 | 27 | |
Cantú Family DentalDental · Pharr, TX | $55,729 | $195 | Bare | 48 | |
La Esquina StoreC-Store & Fuel · Mercedes, TX | $51,743 | $181 | Bare | 52 | |
Escobar ElectricContractor · San Juan, TX | $46,288 | $162 | Bare | 48 | |
Frontera Cleaning SvcProfessional Services · Harlingen, TX | $44,093 | $154 | Bare | 54 | |
g86p3c7te4fg1Restaurant · | $40,000 | $140 | 7 | 7 | Open |
Rate TestRestaurant · Rio Grande Valley, TX | $40,000 | $140 | 6 | 10 | Open |
Rate TestRestaurant · Rio Grande Valley, TX | $40,000 | $140 | 6 | 12 | Open |
Rate TestRestaurant · Rio Grande Valley, TX | $40,000 | $140 | 6 | 8 | Open |
Rate TestRestaurant · Rio Grande Valley, TX | $40,000 | $140 | 6 | 12 | Open |
Sam Test Coffee 3789Coffee & Café · Rio Grande Valley, TX | $40,000 | $140 | 8 | 8 | Open |
Victim Bakery CoBakery · Rio Grande Valley, TX | $40,000 | $140 | 7 | 10 | Open |
Man and His SymbolsGym & Fitness · Rio Grande Valley, TX | $40,000 | $140 | 6 | 10 | Open |
medspaGym & Fitness · Rio Grande Valley, TX | $40,000 | $140 | 6 | 8 | Open |
The Daily GrindCoffee & Café · Rio Grande Valley, TX | $40,000 | $140 | 7 | 12 | Open |
The Daily GrindCoffee & Café · Rio Grande Valley, TX | $40,000 | $140 | 6 | 12 | Open |
TestHVAC & Home Services · Rio Grande Valley, TX | $40,000 | $140 | 6 | 13 | Open |
g86p3c7te4fg1Restaurant · | $40,000 | $140 | 7 | 10 | Open |
g86p3c7te4fg1Restaurant · | $40,000 | $140 | 6 | 10 | Open |
Restaurant · | $40,000 | $140 | 8 | 9 | |
g86p3c7te4fg1Restaurant · | $40,000 | $140 | 6 | 11 | Open |
g86p3c7te4fg1Restaurant · | $40,000 | $140 | 7 | 13 | Open |
g86p3c7te4fg1Restaurant · | $40,000 | $140 | 6 | 13 | Open |
g86p3c7te4fg1Restaurant · | $40,000 | $140 | 6 | 12 | Open |
g86p3c7te4fg1Restaurant · | $40,000 | $140 | 6 | 12 | Open |
g86p3c7te4fg1Restaurant · | $40,000 | $140 | 7 | 13 | Open |
g86p3c7te4fg1Restaurant · | $40,000 | $140 | 7 | 10 | Open |
King Davies Roadside RescueAuto Repair · Norfolk | $40,000 | $140 | 7 | 10 | Open |
g86p3c7te4fg1Restaurant · | $40,000 | $140 | 6 | 8 | Open |
Cafe NgonCoffee & Café · Pharr | $40,000 | $140 | 7 | 8 | Open |
10 + SeisRestaurant · McAllen | $40,000 | $140 | 7 | 7 | Open |
Whiskey TacoRestaurant · McAllen | $40,000 | $140 | 7 | 9 | Open |
SZN FIT 🔥🥗Gym & Fitness · McAllen | $40,000 | $140 | 6 | 11 | Open |
Doodl CafeCoffee & Café · Rio Grande Valley, TX | $40,000 | $140 | 8 | 13 | Open |
g86p3c7te4fg1Restaurant · | $40,000 | $140 | 7 | 12 | Open |
MÊ TEA MISSION, TXCoffee & Café · Mission | $40,000 | $140 | 6 | 7 | Open |
Southern Roots Blooms Bubbly BrunchBakery · Mission | $40,000 | $140 | 8 | 11 | Open |
Ironhand Barber Co.Salon & Barber · McAllen | $40,000 | $140 | 7 | 10 | Open |
Rate TestRestaurant · Rio Grande Valley, TX | $40,000 | $140 | 7 | 13 | Open |
Valley HVACHVAC & Home Services · Rio Grande Valley, TX | $40,000 | $140 | 7 | 12 | Open |
First Stop BagelsBakery · Edinburg, TX | $40,000 | $140 | 8 | 10 | Open |
Ninth Street BarbersSalon & Barber · Rio Grande Valley, TX | $40,000 | $140 | 7 | 10 | Open |
Delta Roofing CoContractor · Brownsville, TX | $39,405 | $138 | 2 | 42 | |
Alaniz Roofing & ExteriorsContractor · Mission, TX | $35,297 | $124 | 3 | 27 | |
Rio Bravo MotorsCar Dealership · Pharr, TX | $2,249 | $8 | 7 | 13 | Open |
Frontera Roofing CoRoofing · Weslaco, TX | $1,152 | $4 | 8 | 8 | Open |
Valley Comfort HVACHVAC & Home Services · Pharr, TX | $973 | $3 | 8 | 7 | Open |
Delta Property GroupProperty Mgmt · Pharr, TX | $951 | $3 | 6 | 8 | Open |
Cantu Family DentalDental · McAllen, TX | $856 | $3 | 8 | 8 | Open |
Mesquite Grove Family MedicineMedical Practice · Edinburg, TX | $716 | $3 | 7 | 10 | Open |
RGV Animal HospitalVeterinary · Harlingen, TX | $618 | $2 | 8 | 12 | Open |
Onyx Med SpaMed Spa · McAllen, TX 78504 | $596 | $2 | 7 | 9 | Open |
Delta Roofing & ExteriorsContractor · Weslaco, TX | $593 | $2 | 6 | 12 | Open |
Frontera Equipment RentalEquipment Rental · San Juan, TX | $563 | $2 | 8 | 11 | Open |
Saenz Legal & AdvisoryProfessional Services · Mission, TX | $528 | $2 | 6 | 7 | Open |
Palm View RV ParkRV Park · Mercedes, TX | $496 | $2 | 8 | 13 | Open |
Frontera ChiropracticChiropractic · Weslaco, TX | $463 | $2 | 6 | 13 | Open |
Frontera Firearms & RangeFirearms & FFL · Pharr, TX | $411 | $1 | 6 | 8 | Open |
Amaida MachiningContractor · McAllen, TX 78503 | $394 | $1 | 6 | 8 | Open |
Rio Aesthetics Med SpaMed Spa · McAllen, TX | $393 | $1 | 7 | 12 | Open |
Frontera Pawn & LoanPawn Shop · Brownsville, TX | $363 | $1 | 7 | 7 | Open |
Rio Shine Car WashCar Wash · Mission, TX | $352 | $1 | 6 | 9 | Open |
Vela SupplementsSupplements · McAllen, TX | $344 | $1 | 6 | 10 | Open |
Guerra Auto & CollisionAuto Repair · Mission, TX | $325 | $1 | 6 | 10 | Open |
Frontera Threads CoE-commerce · McAllen, TX | $273 | $1 | 7 | 7 | Open |
RGV Smoke & KratomSmoke Shop · Pharr, TX | $244 | $1 | 6 | 12 | Open |
Iron Vela FitnessGym & Fitness · Mission, TX | $220 | $1 | 7 | 9 | Open |
Valley Self StorageSelf-Storage · Harlingen, TX | $217 | $1 | 6 | 11 | Open |
Studio Vela SalonSalon & Barber · Edinburg, TX | $214 | $1 | 6 | 9 | Open |
Corner Stop MarketC-Store & Fuel · San Juan, TX | $212 | $1 | 7 | 10 | Open |
Snack StopC-Store & Fuel · Pharr, TX 78577 | $209 | $1 | 7 | 8 | Open |
Peak Athletic ClubGym & Fitness · McAllen, TX 78504 | $207 | $1 | 7 | 10 | Open |
Cloud 956 VapeVape & Smoke · Edinburg, TX | $203 | $1 | 7 | 8 | Open |
CrossFit RioCrossFit Box · Edinburg, TX | $202 | $1 | 7 | 7 | Open |
Frontera Law GroupLaw Firm · McAllen, TX | $199 | $1 | 8 | 8 | Open |
Silky KreamRestaurant · McAllen, TX 78501 | $197 | $1 | 8 | 8 | Open |
RestaurantRestaurant · McAllen, TX | $189 | $1 | 6 | 12 | Open |
Backyard EateryRestaurant · Edinburg, TX 78539 | $179 | $1 | 7 | 7 | Open |
Cajun CreationsRestaurant · Edinburg, TX | $176 | $1 | 7 | 13 | Open |
La Perla BoutiqueBoutique & Apparel · Brownsville, TX | $172 | $1 | 6 | 12 | Open |
Matt's Building SuppliesBoutique & Apparel · McAllen, TX 78503 | $162 | $1 | 7 | 9 | Open |
Vela Yoga StudioYoga & Pilates · McAllen, TX | $161 | $1 | 7 | 7 | Open |
Rio Hemp & WellnessCBD & Hemp · Edinburg, TX | $137 | $0 | 6 | 7 | Open |
Staccato Coffee HouseCoffee & Café · McAllen, TX | $115 | $0 | 7 | 7 | Open |
Cafecito RoastersCoffee & Café · McAllen, TX | $108 | $0 | 7 | 11 | Open |
Vela PanaderíaBakery · Edinburg, TX | $109 | $0 | 8 | 10 | Open |
Diego's Farm to TableRestaurant · McAllen, TX 78501 | $3 | $0 | 7 | 8 | Open |