10 Portfolio KPIs Every ISO Should Track

At‑a‑Glance: What you track grows. These 10 KPIs forecast health, spotlight coaching opportunities, and defend your valuation in diligence.

1) Volume per MID

Shows concentration risk and seasonality. Set targets by vertical and age of install.

2) Approval Rate (Leads → Live MIDs)

Follow funnel stages: submitted, approved, boarded, first swipe, first funding. Fix leaks where they occur.

3) Average Ticket & Mix

High tickets shift interchange economics and dispute exposure. Track cash vs. credit vs. card‑not‑present.

4) Chargeback Ratio & Win Rate

Identify reason codes that drive losses. Standardize evidence packs and response times.

5) Interchange Optimization Score

Measure % of transactions qualifying for best interchange (esp. B2B L2/L3). Train merchants on data fields.

6) Dual Pricing Adoption

Higher adoption can stabilize margins. Confirm signage and receipt settings remain compliant.

7) Software Attachment Rate

Count how many merchants use POS, online ordering, KDS, loyalty. More modules = lower churn.

8) Time‑to‑Live & Time‑to‑First‑Funding

Shorter cycles improve cash flow and morale. Audit onboarding steps that stall.

9) Agent Productivity

Installs per rep per month, by vertical. Tie spiffs to high‑retention installs, not just volume.

10) Logo & Revenue Churn

Distinguish between temporary dips and permanent losses; run save plays on at‑risk accounts.

Action Plan with MPG Dashboards

  • Weekly KPI stand‑up with standardized reports
  • Win/loss analysis and call libraries for coaching
  • Quarterly business reviews with top merchants

FAQ

What KPI matters most for valuation? Churn and software attachment usually tell acquirers how durable your cash flows are.

How often should I review KPIs? Weekly for revenue KPIs, monthly for strategic ones (e.g., L2/L3 optimization).