Residual income calculator
Forecast monthly recurring residual income from your active merchant book. Built for UK merchant services agents, ISOs and payment consultants.
How this calculator works
Residual income = active merchants × average monthly card volume × residual share. The 12-month cumulative figure applies your monthly churn rate to model attrition as the book ages — useful for honest forecasting rather than headline numbers.
Why residual MRR is the metric that matters
In UK merchant services the residual book is the asset. Upfront commissions pay for the visit; residual MRR pays the mortgage. Tracking it accurately — by merchant, by acquirer, with clawback windows — is what separates a hobby book from a sellable one.
FAQs
It's the merchant's monthly card volume multiplied by the residual basis points you earn on that volume, minus any provider clawback. The output is a monthly figure that continues for as long as the merchant stays active.
UK ISO agents typically earn between 20 and 80 bps on processed card volume depending on the acquirer, the agent's tier and the merchant's profile. New agents usually start lower and grow with volume.
If a merchant churns inside the clawback window — typically 6 to 12 months — the acquirer reverses part or all of the upfront and residual earnings. Healthy retention is what makes a residual book valuable.
Track real residuals, not estimates
Closerr tracks every active merchant, their monthly residual, your effective bps and your clawback exposure — automatically.
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