Revenue Model

Clear Economics

Traditional ISO relationships generate roughly $600 per year per merchant in transaction residuals at 21% margins. InsourcePOS paired with AI-native SaaS companion tools transforms that into recurring subscription revenue at 67% gross margins — while reducing merchant churn below industry averages.

  • SaaS companion tools create high-margin recurring revenue alongside transaction processing
  • Data lock-in and workflow integration reduce attrition below the 18-22% industry average
  • Vertical SaaS with embedded payments commands 6-8x revenue multiples vs. pure processing
  • Each vertical deployment compounds the platform economics across your merchant portfolio
Per-Merchant Economics
Traditional ISO
Annual Revenue / Merchant
$600
Annual Churn Rate
18-22%
Revenue Multiple
3-5x
InsourcePOS Platform
Annual Revenue / Merchant
$5K-65K
Annual Churn Rate
<15%
Revenue Multiple
6-8x
Gross Margin Comparison
21%
Processing Residuals
67%
SaaS Subscriptions
Valuation Premium
30-80% higher multiples
Vertical SaaS + embedded payments vs. pure processing
110%+
Net Retention
25%+
SaaS Share
10-15%
ARPU Growth