Merchant Retention & Portfolio Growth
Keep the merchants you have and grow the ones worth growing
We analyze attrition in your portfolio, run save campaigns for at-risk accounts, and identify pricing, product, and cross-sell opportunities in the accounts you already own.
Built for every buyer we serve
ISOs, agents, and platforms with portfolios they want to protect and grow.
Why this costs you money
These are the failure modes we see most often in Managed Payments Operations.
Attrition is the largest hidden cost in any portfolio and it is almost never measured properly.
Merchants rarely leave over price alone; they leave over service and silence.
Existing accounts are the cheapest growth available.
Everything included, in writing
Scope is written down before work starts, and changed only in writing. Nothing is added or dropped without a written change order.
- 01Attrition analysis: who leaves, when, and why
- 02Risk scoring for at-risk accounts
- 03Save campaigns with defined offers and scripts
- 04Pricing review and upsell identification
- 05Quarterly portfolio growth reporting
All 5 are written into the scope document before work starts. What you actually need is settled on the call, after the Assess read.
From first call to live
3 phases, each ending in something written. Exact dates are set at the Assess step, once the scope is known.
- 01Phase 01
Week 1 to 2
Data and attrition analysis
- 02Phase 02
Week 3 to 4
Program design
- 03Phase 03
Ongoing
Campaign execution and reporting
What makes this different
These are specific to Managed Payments Operations, and they are in the scope document rather than only on this page.
We work inside your systems
Your processors, gateways, CRM, and portals, under your brand. You keep every merchant account and relationship.
A named desk with a named lead
A specific team, defined coverage hours, and response-time commitments written into the scope document.
Measured on numbers you can audit
Win rates, attrition, residual variance, and open items, reported weekly and built from your records.
We never touch funds
Midcore holds, transmits, and settles nothing. Access is scoped to the work, logged, and revocable at any time.
What clients say
We publish no client names. These describe the shape of real engagements in Managed Payments Operations.
See the engagementsOur agents were spending half their week on paperwork. The desk took the boarding queue, the disputes, and the residual reconciliation. Same headcount on the sales side, materially more selling.
They found variances in our residual statements that had been running for years. What mattered more was the monthly reconciliation they left behind, so it does not happen again.
We had been quoted eighteen months and seven figures to register as a PayFac. Midcore mapped the alternative in two weeks and told us plainly that our volume did not justify it yet. That conversation saved us a year.
- Written scopeAgreed before work starts, changed only in writing.
- Reporting from your dataEvery number opens to a record you can check.
- Scoped, logged accessRevocable by you at any time.
What the work looks like
Anonymised engagements from across the six core services.
All case studiesAgents were spending roughly half their time on statement analysis, applications, and chasing processors. The fix was not more headcount on the sales side.
Independent sales organization A card-not-present merchant came back from a monitoring thresholdA rising dispute ratio put the account within sight of a card brand monitoring program, and with it the processing relationship itself.
Subscription merchant processing at scale A sub-ISO found years of residual variance in one auditResidual statements had been accepted as correct since the business started, because nobody had the time or the method to check them line by line.
Sub-ISO with multiple processor relationshipsWritten by people who have done the work
The arguments we would make in the room.
All insightsAs a portfolio grows, Visa stops judging disputes merchant by merchant. It judges the whole aggregated book, and the rules changed in 2026.
10 min read Fractional CFO vs Full-Time: When Each One Pencils OutA fractional CFO pencils out until finance needs a full-time owner every day, not a part-time one covering payroll tax and equity.
10 min read How to Start a Merchant Services or ISO BusinessStarting an ISO means registering through an acquirer, not Visa, and budgeting real fees, fines, and PCI DSS obligations before your first merchant boards.
9 min readStraight answers
The questions that come up on almost every Merchant Retention & Portfolio Growth call, answered before you have to ask them.
How do you measure success?
How does an engagement start?
What does Merchant Retention & Portfolio Growth cost?
Can we stop after the Assess?
How long does Merchant Retention & Portfolio Growth take?
Who actually does the work?
Do you work inside our systems?
Still not sure Merchant Retention & Portfolio Growth is what you need?
That is what the Assess is for. Book a 30-minute call and we will tell you which service fits, whether you need one at all, and what the first engagement would cost. We will also tell you when the answer is no.
Ready to talk about Merchant Retention & Portfolio Growth?
Tell us what is happening. We will tell you whether this service fits, and whether you need it at all.
- 01Within 1 business dayA US-based practice lead replies and books a 30 minute call.
- 02On the callWe map the problem, the volume, the partners, and the constraints.
- 03After the callYou get a written read of one to three pages, yours to keep.
- Handled under NDA
- Written, not a slide deck
- No obligation to continue