For Investors
Two revenue lines, one compounding asset.
Valtura earns recurring SaaS-style revenue from ISOs running their business on the platform. Over time, the strongest of those ISOs are acquired into the group, where their gross profit consolidates into a single combined number that re-rates against an enterprise multiple.
Revenue line 1
Platform fees from ISOs.
ISOs pay a percentage of their monthly gross profit to use Valtura Platform — subject to a minimum monthly fee. This funds the shared infrastructure: compliance, technology, broker tooling, AI knowledge, CRM, proposals, support. The platform is accretive on day one because the cost of building any of this in-house is far higher than the platform fee.
Recurring
SaaS-style economics
Monthly fee with a minimum floor. Revenue scales with each ISO's gross profit, not headcount, so margin expands as platform usage deepens.
Sticky
Platform-as-operating-system
Once an ISO's merchant book, residuals, and team workflows live on the platform, switching cost is significant. Retention is structural, not promotional.
Concentrated
Cost spread
Compliance, technology investment, and central operations are shared across the network. Per-ISO cost falls as the network grows; group-level margins improve with scale.
Revenue line 2
Acquisition into the portfolio.
After 90 days operating on the platform, ISOs become eligible for acquisition. The methodology is transparent: an indicative offer benchmarked at 2× trailing annual gross profit. ISOs see the number inside their portal before any commitment. Once acquired, their gross profit consolidates into the group's combined GP.
Diligence
Already on the platform
Volume, growth, retention, residuals, team productivity — all observable on the platform from day one. Acquisition diligence is a confirmation step, not a discovery exercise.
Method
2× attributable annual GP
Offers anchor on 2× the ISO's attributable annual gross profit, drawn from on-platform activity. A consistent methodology across the programme keeps the pipeline disciplined and comparable.
Continuity
Operate, don't dismantle
Acquisition retains the operating team, the merchant book, and the brand where it has commercial value. Back-office consolidates onto the group stack to remove duplicate cost.
Where the return comes from
Multiple arbitrage on consolidated GP.
A standalone ISO trades on roughly 1–2× revenue or low single-digit GP multiples. A consolidated payments group operating on a single platform — with concentrated GP, shared compliance, and proven scale — trades materially higher. The spread between those two valuations, applied across a growing network of acquired GP, is the investor return.
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