LeapZipBlog: Vicki Brown

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How to Make Best Use of Your Credit Card Portfolio?

December 13, 2019 by Vicki Brown  

Applying for two or three credit cards and utilizing them admirably, so they work furthering your potential benefit isn't sufficient. You have to do a lot more to benefit as much as possible from your whole portfolio, and all the more critically, to guarantee that you're keeping up it right. The credit card portfolio isn't as simple as it looks. Getting your credit card portfolio analysis is crucial.
 
But, what is a credit card portfolio? It may very well stable like an extravagant expression, but it necessarily implies keeping a record of all your credit cards and utilizing them efficiently. This incorporates monitoring charge installment dates, taking care of obligations on time, and so forth. Likewise, the merchant portfolio is essential; one should look for a credit card portfolio sale to avail benefits.

With keeping the things in the mind, we should get down into the technique on the best way to utilize your credit card portfolio and how credit card portfolio analysis functions.
 
What Does the Market Say?
 
Rather than grabbing the main credit card offer that comes to your direction, it's smarter to surf the market well and chase down the best alternatives. Since you know your sort, searching generally advantageous and the most appropriate card should be simple. Credit card portfolio sale, can be a helping hand.
 
There are two or three components you have to remember though. If you need more rewards, you have to pick as needs be. Another main point that you have to remember is your ways of managing money. If you have a place with that classification that likes to keep up parity on their cards, you should target getting a low-intrigue credit card. If you need to remain on the more secure side, searching for a card with a low fixed financing cost will bode well.
 
What's Your Credit Card Check?
 
In the wake of investigating the market, you can, at long last, get down to examine whether you have the correct score of cards or if you have to roll out any improvements. Since you know your needs and inclinations as well as can expect, decide to apply for cards that can help streamline your credit use. Well, the merchant portfolio is the essential one for the time being.
 
One thing you have to remember consistently is that you mustn't have any significant bearing for two or three credit cards at the same time. Why? Applying for too many credit cards one after another can seriously harm your credit score.
 
Have You Filtered Your Wallet?
 
Following all the means above isn't sufficient. You have to check your wallet for other pointless credit cards. Why keep cards you don't require any longer? If you have two or three cards with a high yearly charge, and you don't use that card a lot, it's an ideal opportunity to dispose of it.

Sell Your Merchant and Credit Card Portfolios for Profit

November 25, 2019 by Vicki Brown  


The need for credit card portfolio sale arises due to the demand for the same by new entrepreneurs entering the market. It is often hard to believe that an organization is willing to sell their hard-earned credit card portfolio. Credit card portfolios for sale are driven by the profit one can earn upon sale. Credit card portfolios are considered an asset after doing a complete evaluation of the portfolio based on its resources. The people that buy credit card portfolios have many advantages like access to credit and reducing the risk of fraud.
 
A credit card portfolio for sale is a profitable business once you find the right portfolios to sell and good buyers. Know all the possible details like what will happen to the customers of your account after credit card portfolio sale and how will you convey them about the sale. It is ideal to keep up-to-date and ready information on your residual data to make the negotiations happen without delay.
 
Merchant portfolios for sale
 
Entrepreneurs or business start-ups need to have a client base or customer base which is hard to develop in a short time. The desire to expand the customer base without much groundwork drives the buying process of merchant portfolios. It is a good strategy to move closer to your business goals in a short time. Buying a merchant portfolio means you are getting access to the sales agents in a new territory you wish to conquer. It is a great way to expand the market and acquire a customer base for your product offerings.
 
One of the major advantages of buying merchant portfolio is the access to economy markets of a grand scale and the value it offers to the buying firm. The buyer gets access to residual payments from the seller accounts.
 
Join Clarus for quicker payment processing sales as it offers its expertise and experience to make you stand apart from the competitors in the market. The whole process of business transactions happens quicker over credit card payments. This keeps cash flow alive and allows your merchant account to grow without missing on any leads in sales.

Factors to Determine the Potential of an Account for Merchant Portfolio Analysis

November 15, 2019 by Vicki Brown  

Portfolio analysis of a merchant involves simple and easy steps to access diverse key accounts. Accordingly, the first step associated with merchant portfolio analysis involves identifying the potential of each account based on its ability achieve the organizational objectives. Secondly, the analysis is done in accordance to the ability of the organization to avail benefits from the identified opportunities.

Preliminary Steps to Accomplish the Analysis Procedure

However, before you should start the analysis procedure, it is essential for you to take a few of the preliminary steps. These are-

  • Scoring each of the available data or information profiles for all of the key accounts
  • Determine the specific scoring period, where experts involved in credit card portfolio analysis recommend 3 years period
  • Assurance about the availability of sufficient data for scoring the factors
  • Assurance of the availability of updated sales related forecasts for each of the products or services combined with any latest product or service.

Identification of the Frequently Used Factors to Define Accounts’ Attractiveness

Account attractiveness can be determined easily based on the following frequently used factors-

  • Stability or regular workflow
  • Matching of business strategies and promptness in the payment delivery
  • Identification of specific group of customers, who always see value in broad product offerings
  • Finding of opportunities related to cross-selling of products
  • Objective behind doing any business
  • Reference value or status
  • Network hub or focal company present in a network
  • Importance to a sister company
  • Requirement of any international coverage
  • Working hours at the top priority
  • Requirement related to total responsibility
  • Requirement related to primary strategic alliances
  • Need for managing various complex issues, which include multiple Work forces and industrial relations
  • Handing over the total responsibility to customers, also known as abdication
  • Financial guarantees for customers
  • Clients willing work with listed companies
  • Need to bring innovation on repetitive work profiles

Additional Parameters to Determine the Attractiveness of Merchant Accounts

Along with the aforementioned factors, there are a few of the additional parameters to determine the merchant accounts’ attractiveness. These are accessible value or volume, growth rate and potential to earn profit. Accordingly-

Growth i.e. Yearly Growth Rate
Growth in this case indicates the average yearly growth rate of the total revenue spent on any relevant good or service by a key account. In most of the cases, credit card portfolio analysis consider and use the compound growth rate.

Accessible Value or Volume
Attractive key accounts are not only large but they are accessible. Thus, according to the definition, accessible value or volume refers to the total spend of any key account in t+3 less amount of revenue, which is almost impossible to access irrespective of the made investment.

Potential to Earn profit
The factor associated with the potential to earn profit is relatively more difficult to handle, as it varies significantly in accordance with the specific industry or area of operational sector. According to experts conducting merchant portfolio valuation, you have to estimate the margins available to your competitor to access the profit potential.

Determination of Business Position and its Strength

Business position and its strength refers to the measurement of any organizations’ actual strengths present in each of the key accounts, while it differs according to a specific account. These critical success factors are available as a combination of any organization’s relative strengths Vs the strengths of its competitors in terms of customer-facing requirements. In simple words, strengths determine all those things required by the organization’s customers, which you may summarize as-

Product and pricing requirements
Diverse service requirements
Promotion requirements

Methodologies to sell your merchant portfolio

October 21, 2019 by Vicki Brown  

Once you have come up with the idea of selling your merchant portfolio, you should do some investigation before engaging with an investment firm. Usually, a crucial component of the portfolio acquisition process is its valuation. People who are interested in buying merchant portfolios for sale will perform critical analysis and review a few factors. It is crucial to undergo pragmatic self-assessment. You should apprehend some factors which contribute to merchant portfolio valuation.

Several factors collectively determine the value of the account, and each one of them is interrelated. You need to identify top drivers that emphasize the importance of merchant portfolio sales. You need to know that for each of the factors, the marketplace grasps the most optimal range, value, level, and type.

1. Several accounts - The number of considerations that includes your merchant portfolio is a contributor of value. Smaller portfolios trade will generate higher value revenue.

2. Age of Merchant accounts - New accounts include more exposure as there is not enough historical data for a guarantor to assure about future portability and stability. Older account has more track record, and there are more chances to be a better-established business. Also, they are less likely to leave their present payment processing sales providers. 

3. Account Composition - This factor can be a complex one. Numerous factors include a valuable account composition. Brick and mortar POS vs. credit card portfolios for sale, Industry focus, Ratio of high-risk merchants in your portfolio, revenue concentration, and much more.

When you are considering selling your merchant portfolio, you should reach out to Clarus. The company can help you in many ways. Some of them are mentioned below:

Analyzing - Creating standard reports and tables for processing data. 

Learn about business through the validating and understanding market trends and business performance. 

Card brand reporting- Reducing the back office work required to compile and create the quarterly reports.

Merchant portfolio support- Real-time and historical information.

At Clarus, we help you to understand the potential advantages and disadvantages to come with credit card portfolio valuable whether you are merchant processing or independent service organization. 

Know the importance of credit card portfolio analysis

September 5, 2019 by Vicki Brown  

When we talk about credit, it starts with understanding of how they work, and how they affect your FICO score. Establishing an educated position of various types will enable you to make intelligent financial decisions and assistance in deciding what steps you can take to improve your FICO score. Better the score, better the level of financing when buying a new home or car.
 
Many large and small banks are evaluating the benefits of continuing to hold their credit card portfolio. When the costs of competing in this sophisticated market combined with the cost of fraud in losses and increased insurance premiums and increasing deductibles increase, you realize that it is the time to seriously consider utilizing the unrealized premiums that have been built by your financial institution.


Credit cards are issued after the credit card portfolio analysis by the credit provider, so only the cardholder can make transactions. At the time of purchase, the credit card holder signs a receipt which includes the card details and the amount to be paid. Users are given a PIN that they must provide when making a purchase.
 
Every month, credit card users are sent a statement indicating the purchases made with the card, all unpaid costs, and the total amount owed. After receiving a statement, the user is in a state of confusion can ask for clarification on expenses or expenses that are otherwise incorrect. If there is no dispute, the cardholder must pay a certain proportion of the bill at the due date or he must pay the same fee but with a fine of the entire amount owed.
 
Certain banks make several arrangements for automatic payment options, where the amount will be deducted directly from the merchant portfolio, which avoids late payments.
 
You can withdraw your credit report once a year to see what types of credit you have and how they affect your credit rating. It is always a good idea to run your credit at least once a year to ensure there are no fraud charges and that you have not been a victim of identity theft. Websites provide free credit card portfolio analysis reports to consumers once a year. Certified credit counselors who work with non-profit organizations will provide free financial analysis and credit report reviews to consumers who want a professional and definitive review of their credit reports and financial portfolios.
 
Some banks also provide credit card portfolio sale for their users. However, banks have taken this initiative by looking at credit payments and individual total income records, which means that people who have good transaction records in the past or have a good income during a financial slowdown don't need to worry about anything. But one can certainly hope that cuts in credit lines will not be seen in the credit card services offered by public sector banks.
 
Currently, merchant banking services provide several other services such as loan syndication, credit acceptance, merger and acquisition counseling, portfolio management and so on. They also help companies with short-term liquidity funds. In short, these banking services are indispensable because they support individuals and companies to expand their business venture

What Do You Need To Understand About Credit Card Portfolios?

August 27, 2019 by Vicki Brown  

Today most of the world runs on debit cards or credit cards. While some of us do not own a credit card, most of us will either use it sooner or later. A credit card can be used to enjoy innumerable advantages if you create the optimal value of your credit cards in a wise manner. Thus, you need to understand how this works and the value of your investing in credit card portfolios.
 
There Should Be Multiple Credit Cards For Various Uses
 
Yes, you should have at least three credit cards created for your use. The first credit card will be yours when you turn an adult. At the age of 18, you get the ownership of this card with zero balance for the next few years of your future. After your loans are cleared off, you can still keep this card as a back-up for emergency purposes. Now if you think long term, you will have an aim to create two other credit cards for other purposes as well.
 
Clarus helps its customers to create the perfect credit card portfolios for sale through its efficient working procedure. Discuss and plan your other credit card limits so that you do not run into unnecessary credit card loans. A little bit of prior planning will secure your future significantly.
 
Consult With Experts
 
If you are going through this for the first time, it is high time for you to consult an expert. They will analyze your income and various other aspects and advise you on your future steps. If you are having doubts, contact Clarus as soon as possible for help regarding clarifications.
 
Consider The Interest its
 
Keep yourself always informed. Consider the interest rates of your credit cards so that you do not run into problems later on with your debts. Some professional companies provide other much-needed services such as merchant portfolios for sale and payment processing sales, so get in touch with them as soon as you can. They offer good package deals for such services so always discuss your expectations with the firm before you decide to invest in their services.

Best ways to do merchant portfolio valuation

August 21, 2019 by Vicki Brown  

Most people have a common doubt that essays how to know the value of a portfolio of merchants and consequently the value of one merchant. The answer to this question is that there are three techniques -discounted cash flow, comparable sales, and value of merchants in the public market. Let’s know about each one of them in a bit detail. 

Discounted Cashflow 

It is best way to do merchant portfolio valuation. It let us know the value of a particular revenue stream by analysing the risks associated with residual stream of future. Also, it also emphasises on acknowledging the fact that a future payment is not more worth than cash available on real time basis.

You can imagine its application in a situation where an agent is getting residual from an ISO on every month and the he determines to sell that off to a financial buyer. Under current scenario, the buyer has to pay an amount depending on buyer’s perceived value of the residual stream. Of course, it has to be determined taking into account after applying a discounted case flow analysis. It can be also used for credit card portfolio acquisition. 

Comparable Sales

If you want a better way of performing merchant portfolio valuation than mentioned above then comparable sales method would be your ideal bet. This method is used to determine the value of companies those have been sold entirely. It gives a comparable sale analysis coupled with a discounted cash flow analysis. The aim is to provide the true valuation of a merchant or a group of merchants. 

Public Valuation

Evaluating publicly held companies and public market places on the merchants could be another fascinating way to do the valuation of merchant portfolio which comes under Public Valuation technique. 

As it was shown above, the methods to do valuation can vary drastically. If you will take the average of all the different values received from three results, you will get even a more accurate picture for a portfolio of merchants. 

If you are looking for someone to do credit card portfolio valuation or selling merchant services, Clarus would be your ideal bet.