Per-merchant residual ledger
Every live merchant carries its own residual rate, schedule and history. Twelve months of paid residuals on the merchant detail screen, comparable month-on-month.
Built for portfolios that compound
Residual income tracking, without the spreadsheet.
Residual income is the part of the work that pays you in year three for the deal you closed in year one — and it only compounds if you can actually see it, reconcile it and forecast it. Closerr replaces the residuals spreadsheet with a reconciled merchant book, a short-payment alert system and a per-acquirer forecast that holds up against the actual report when it arrives.
What you get out of the box
UK ISOs, payment consultants, master ISOs and sub-ISO networks use Closerr to reconcile and forecast residual income across multiple acquirers without losing nights to spreadsheets.
Monthly reconciliation against acquirer reports
Upload the acquirer's residual report (Worldpay, Elavon, Barclaycard, AIB, Lloyds Cardnet, Stripe). Closerr matches it against your book line by line and flags missing payments.
Short-payment alerts the acquirer hates and you'll love
When the residual paid is below the residual due, Closerr flags the variance against the merchant and the contract terms — surfacing the rare-but-expensive acquirer underpayment in minutes, not quarters.
Forecast next month's residual income
Live MRR projected forward by acquirer, by territory, by sub-agent — based on actual processing volume, not a sales-pipeline guess.
Sub-agent splits posted automatically
Configured splits apply on every paid residual, so the sub-agent's payslip reflects what actually arrived, not what was forecast. Audit trail attached.
Export for accountants and acquirer reviews
Per-acquirer, per-month, per-merchant exports in CSV or PDF for accountants, FCA reviews and acquirer meetings — without re-keying anything.
Why this matters
Residual income reconciliation is the work nobody wants to do — and the work that pays for itself the fastest. Even a 2% short-payment rate across a 200-merchant book is several thousand pounds a month walking out of the door, and that's before the compounding effect over the contract life. Closerr's residual ledger is built specifically to make the reconciliation a 15-minute job per acquirer per month, not a weekend project. Pair it with the cornerstone guide to becoming an ISO agent in the UK for the residuals maths behind the work, or see how the broader portfolio plays together on ISO portfolio management software.
Frequently asked questions
What does residual income tracking software do?
It tracks the monthly residual income paid by each acquirer against each live merchant in your book, reconciles the actual paid amount against the contracted residual, flags short payments, and forecasts next month's residual income based on processing volume. It replaces the residuals spreadsheet most ISOs run today.
Does Closerr support every UK acquirer?
Closerr supports residual report ingestion for the major UK acquirers — Worldpay, Elavon, Barclaycard, AIB Merchant Services, Lloyds Cardnet and Stripe — plus the long tail of mid-tier providers via configurable CSV import. The reconciliation engine works the same regardless of the source format.
How accurate is the residual forecast?
The forecast is based on each live merchant's trailing-three-month processing volume multiplied by the contracted residual rate, less any known adjustments. For stable books the forecast typically lands within 2-3% of the actual paid amount when the report arrives.
Can I pay sub-agents based on actual residual paid?
Yes. Configured splits apply on every paid residual, so sub-agents are paid on what actually arrived from the acquirer rather than on the forecast. The full audit trail is attached to each payout.
Related capabilities
Closerr is one product, many entry points. Explore the parts that match your team.
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