Payments Analytics

A Quantitative Approach to Payments Assets

Valuation Analytics Payments

Payments Analytics:

  • Segmented portfolio attrition analysis

  • Income statement, balance sheet and cash flow projections

  • Capital budgeting and investment decision support

  • Merchant acquiring portfolio KPIs

Merchant Portfolio, Merchant Residual, and Payments ISO Valuation

Wellesley Hills Financial’s payments processing-specific valuation services deliver unmatched analytical depth, providing clients with an independent and accurate third-party assessment of fair market value for these specialized assets.

Our fintech investment bank has spent years developing proprietary valuation models that address the unique characteristics of the same, from merchant processing portfolios, residuals and ISOs, to gateways, processors, and payments orchestration platforms. We take both a quantitative and qualitative approach to valuation, utilizing sophisticated Discounted Cash Flow (DCF) methodologies and a proprietary database of completed transactions for precedent deal comparison. Our payments processing valuation and analytics are duly sufficient in their specificity and rigor to support fairness opinions, gift and estate planning, the determination of stock-based compensation, legal dispute resolution, and strategic management planning.

Merchant Acquirer, Third Party Processor, and ISO Contract Review

Clearly understanding the key terms and provisions of merchant acquiring and third party processor agreements is essential when determining a client’s rights and obligations as it relates to the payment industry’s various counterparties. Exclusivity, pricing, liability, portability and transaction minimums are only a few of the many factors of an agreement that affect not just how a client runs their business, but also how a potential buyer might value a client’s asset in a transaction. For clients contemplating a potential transaction, whether exit or investment, or even those simply seeking a more strategic relationship with their existing processor, Wellesley Hills Financial will review, comment, and make recommendations regarding the most important agreement terms that govern the client-processor relationship. 

Financial Forecasting, Budgeting and Portfolio Analysis

Wellesley Hills Financial can assist clients with conducting sophisticated financial analysis and compiling comprehensive projections of their business and portfolio performance. Our forecasting models and analytical capabilities help clients to better understand the specific metrics (KPIs) that drive growth. Working within the scope of bespoke engagements, our analysts set targets on these industry-specific KPIs to guide future decision making. Our services help business owners and management identify which segments of their portfolio require additional attention, whether or not their cash flows can support additional personnel, and whether their strategic investment decisions or future acquisitions will generate the desired rate of return.