How much can your portfolio actually earn?
Plug in your merchant count and the markup you'd charge. See the new revenue stream stacked on top of processing residuals.
For a typical 200-merchant ISO portfolio, white-label invoicing software adds $3,000–$8,000 per month in recurring revenue on top of processing residuals — that's $36K–$96K per year, depending on the markup the ISO sets between the $25 wholesale cost and the merchant-facing price ($39–$99 typical range).
Find your scale
Three example portfolios
Match the closest profile to your own portfolio, then go back to the calculator and refine. Real numbers, no extrapolations.
- 01
Small agent / single office
50 merchants · $25/mo markup · RunPayments
Solo agent or single sales office. Mostly retail and services merchants.
$1,250/mo
$15,000/yr
- 02
Mid-sized ISO
200 merchants · $35/mo markup · NMI · CardConnect
Established ISO with a mix of retail and B2B services merchants.
$7,000/mo
$84,000/yr
- 03
Larger multi-office ISO
1000 merchants · $50/mo markup · NMI · CardConnect · Bead
Multi-office operation with larger ticket sizes, more B2B-skewed.
$50,000/mo
$600,000/yr
Like what you see in the calculator?
10 early-access partner spots. 3 claimed. $25 wholesale locked in for life. Personal walkthrough scheduled within 24 hours of applying.
The math
How this calculator works
The math is intentionally simple. Three inputs, one output:
(merchant-facing price − $25 wholesale) × merchants = monthly software residual
Invoisure's wholesale price for early-access partners is $25 per merchant per month, locked in for the life of the partnership. The ISO sets the merchant-facing price; the typical range we see in the field is $39–$99 per merchant per month, with B2B-skewed portfolios trending toward the high end. The difference is the ISO's software residual.
Growth is layered on top via a simple compounding model: tell the calculator how many new merchants you add each month, and the residual grows by (markup × new merchants) every month. The chart in the calculator shows the 12-month trajectory.
Processing residual share is not included in the calculator output. Processing residuals on volume routed through Invoisure's gateway integrations continue unchanged; this calculator shows just the new software stream.
The other math
Software revenue vs. interchange compression
Interchange compresses every year, chipping at residual. Software is the only lever that adds to residual instead of defending it.
Interchange compression path
−$10,000/ year
One basis point of compression on a $1M residual portfolio. Last year that was $10K. Next year another bp. Every year.
Software revenue path
+$60,000/ year
200 merchants on Invoisure at $25 markup. Stacks on top of processing residual. Doesn't compress with interchange.
Why now
Why ISOs are adding software revenue in 2026
ISOs and acquirers have historically competed on interchange rates — a commoditized, race-to-the-bottom metric. Bundling branded software changes the equation: merchants get tools they actually use, the ISO earns predictable recurring software revenue, and portfolio retention improves because the relationship now includes software switching costs, not just rate.
For the full strategic argument, read How ISOs Can Differentiate Beyond Interchange in 2026. For program details, see pricing or apply for early access.
Common questions
Frequently asked questions
How much can an ISO earn from white-label invoicing software?
For a typical 200-merchant ISO portfolio, white-label invoicing software adds $3,000 to $8,000 per month in recurring software revenue on top of processing residuals — $36,000 to $96,000 per year, depending on the markup the ISO sets between the $25 wholesale cost and the merchant-facing price (typically $39 to $99 per merchant per month).
What does the Invoisure revenue calculator estimate?
The calculator estimates monthly and annual recurring software revenue based on three inputs: number of merchants in your portfolio, software markup per merchant per month, and expected month-over-month merchant growth. It separates software revenue from processing residuals so ISOs can see the new software revenue stream clearly.
Is the calculator free?
Yes. No signup, no email required. The calculator runs in the browser and uses Invoisure's published wholesale price ($25 per merchant per month) as the baseline.
How does software revenue compare to interchange compression?
On a portfolio earning $1,000,000 per year in processing residuals, 1 basis point of interchange compression costs about $10,000 per year. The same portfolio with 200 merchants on Invoisure at a $25 markup earns $60,000 per year in software residual that does not compress with interchange. Software revenue offsets interchange erosion roughly six times over per basis point.
What do ISOs typically charge merchants for invoicing software?
ISOs reselling white-label invoicing software typically charge merchants between $39 and $99 per month, depending on merchant segment. Retail and card-present merchants tend to sit in the $39 to $59 range. B2B and higher-AOV merchants sit in the $69 to $129 range because they use the software more heavily. The wholesale cost on Invoisure is $25 per merchant per month, so the ISO keeps $14 to $104 per merchant per month as software residual.
Does the calculator assume merchant growth?
The calculator lets you input your expected month-over-month merchant growth. The default scenario assumes modest growth (a few new merchants per month) typical of an active ISO sales operation. You can set growth to zero to see steady-state software revenue on your current portfolio.
Does this include processing residuals?
No. The calculator shows software revenue only — the recurring fee the ISO earns by reselling Invoisure's branded software to their merchants. Processing residuals are earned separately on card and ACH volume routed through the gateway and continue unchanged when an ISO adds Invoisure.