Merchant Portfolios

The payment processing industry is extensive and dynamic with numerous merchant portfolios generally available for sale. In a world full of uncertainty, merchant portfolios offer diversification, consistent returns, and stable cash flow.

Merchant Portfolios

The payment processing industry is extensive and dynamic with numerous merchant portfolios generally available for sale. In a world full of uncertainty, merchant portfolios offer diversification, consistent returns, and stable cash flow.

How Cashless Payments Work

1
Every time a consumer uses their credit card or other cashless payment method at a merchant, the transaction is processed through a payment network, made up of a payment processor, card brands, issuing bank, and the Federal Reserve.
2
To enable this, companies known as Independent Sales Organizations (ISOs) provide processing services to merchants so that they may accept cashless payments.
3
CLARUS is a national ISO.
4
As each transaction is processed, an average processing fee of 2-3% is charged and paid back through the network to the parties involved in implementing the transaction. An ISO is one of those parties.
5
The ISOs portion of the fee, commonly referred to as the residual, is a portion of the processing fee that is charged and paid back through the network to the parties involved in implementing the transaction.
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Merchant Portfolios

1
Merchant portfolios are the rights to the ISOs portion of the cashless processing fees generated from a diverse group of merchants, packaged into a single portfolio.
2
These merchant portfolios generates a monthly residual income stream from all the cashless processing fees collected from its merchants.
3
Merchant portfolios can be bought and sold to other ISOs, processors and investors.
4
Merchant portfolios are purchased or sold for a multiple of their monthly residual income stream, which varies based on the size and quality of the portfolio.
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Merchant Portfolio Acquisitions

Over the past decade, Clarus has positioned itself at the forefront of an out-sized growth opportunity by acquiring additional merchant portfolios.

With a vision to maximize this opportunity, we are looking to invest our profits alongside a limited number of sophisticated investors to acquire additional merchant portfolios.

As an investor, you will receive a fixed monthly interest payment, based on your contribution generated by the merchant portfolios that are acquired by CLARUS.

Explore Our Current Offerings

Explore Our Current Offerings