A live estate view, not a quarterly pack
Every ISO ranked by gross profit and submission discipline, with health scoring beside it — a glance separates the ISOs that are motoring from the ones that are drifting.
For acquiring banks
Your ISO estate is a black box. It doesn't have to be.
You see the volume that lands on your book and you see a quarterly review pack — and between those two moments, almost nothing. Valtura puts a live oversight seat above the ISOs that sell for you: league tables, health scoring, automatic risk flags and merchant-level retention economics, computed from the residual data your ISOs file every month.
Read-only seat · manually provisioned · fictional demo estate on day one
Estate GP1
£412,380
+6% vs prior month
Active merchants
1,284
1,391 MIDs under management
ISOs in your estate
12
Reporting monthly residuals
Open attrition flags
7
Merchants flagged at risk
2 Missed submissions
1 GP drop
7 Attrition flags
Acquirer mix balanced
Estate GP1 · last 12 months
Live
Computed from monthly residual submissions — no pack to build
Risk flags the day the data lands
An always-on radar over the estate — not a report anyone has to remember to run. Flags fire the moment an ISO's submitted data trips them.
Attrition you can see — and see worked
Merchants whose processing income collapses are flagged individually, and each flag carries a triage outcome: saved, churned or dismissed.
The oversight seat
The quarterly pack, replaced by a screen that's always on.
Every ISO on the platform appears on a leaderboard ranked by gross profit and submission discipline — how many months of residual data they have filed, when they last filed. Because ISOs run their day-to-day operation on the platform, engagement itself becomes a signal: an ISO whose reps have stopped logging in is telling you something months before its volume does.
Live ISO leaderboard
Every ISO in your estate, ranked by gross profit and submission discipline — months filed, last filing, last activity — refreshed as the data lands.
Per-ISO health scoring
Task completion, last activity and last submission scored side by side — so the drifting ISO stands out before its numbers do.
Engagement analytics
Active users over 7, 30 and 90 days, module adoption per ISO, and an automatic stalled-ISO flag when a team goes quiet.
| # | ISO | GP1 (all-time) | Months filed | Last activity | Modules |
|---|---|---|---|---|---|
| 1 | Meridian Payments | £486k | 14 | 2d ago | |
| 2 | Causeway Card Services | £312k | 12 | 1d ago | |
| 3 | Bexley Merchant Group | £268k | 9 | 6d ago | |
| 4 | Loxton Payments | £94k | 4 | 21d ago stalled |
Auto-flag
Loxton — no activity for 7 days · flagged stalled, nobody had to go looking
What this replaces: the quarterly review pack and the spreadsheet built the night before the estate meeting.
Always-on risk radar
Find out an ISO is in trouble before the volume is gone.
Flags are computed continuously from the residual data your ISOs submit and surfaced the moment they trip. The result is what you have never had between reviews: a ranked, evidenced list of which ISOs need a phone call this week.
68 days silentLoxton Payments · no approved submission since Apr
−28% MoMBexley Merchant Group · GP1 £41.2k → £29.7k
AttritionHarbour Coffee Co. · processing income fell to £0 · flag open
Acquirer concentration
Always-on
Flags fire the day the data lands — no report to run
Missed submissions
The single most reliable early sign of a relationship going quiet — flagged automatically when an ISO's monthly filing doesn't arrive.
Sharp gross-profit drops
A sudden fall in an ISO's gross profit is visible on the next data cycle, not the next quarterly review.
Concentration risk
When too much of an ISO's book sits in one place — a diversification lens over the estate most acquirers have never had.
Statistical anomalies
Months that deviate sharply from an ISO's own trend, surfaced for a human to look at — no report for anyone to remember to run.
What this replaces: finding out about a struggling ISO from your own settlement data, three months late.
Portfolio Pulse
Attrition inside ISO books, visible merchant by merchant.
By the time a churning merchant shows up in your settlement data, the merchant has already gone. The platform flags at-risk merchants individually from monthly residual data — and every flag is worked to an outcome, so you see whether an ISO rescues its at-risk merchants.
Per-merchant P&L league tables
Every merchant in every ISO's book, ranked by net revenue — the estate's economics at merchant grain, not just ISO grain.
A worked triage queue
Every attrition flag carries an outcome — saved, churned or dismissed — with an owner and a note, so nothing is flagged and forgotten.
New business vs back book
The fastest way to spot an ISO that has stopped selling and is coasting on residuals.
AI monthly commentary
A plain-English note per ISO each month — what moved, what was flagged, and what is worth a call this week.
Merchant P&L — Meridian Payments
| Merchant | Net revenue | Trend |
|---|---|---|
| Harbour Coffee Co. | £0 | → 0 |
| Fenwick & Co | £1,240 | −41% |
| Alderton Deli | £2,180 | +3% |
Attrition triage
Savedrescue call 12 Jun
Workingowner: J. Hale
Churnedre-signed elsewhere
AI monthly note: revenue up 4%; one new flag opened on Harbour Coffee Co. — worth a call this week.
Triage
Every flag worked to an outcome: saved · churned · dismissed
Channel economics
The metric machinery of a managed portfolio — computed continuously, not assembled annually.
Gross-profit roll-ups, cohort maturation, retention signals and scheduled reporting — all computed from the same monthly residual data everything else on this page runs on.
Monthly
GP roll-ups across the estate
Cohorts
How ISO intakes mature over time
MIDs
Under management, tracked continuously
Scheduled
Reports delivered on your cadence
Cohort views
Whether the ISOs you signed last year are compounding or fading — intake by intake, not averaged into invisibility.
Churn and retention signals
Retention economics at both ISO and merchant level, computed continuously from the residual data itself.
Exportable, schedulable reporting
The estate view arrives in the right inboxes on a cadence you choose — export it, schedule it, stop assembling it.
What this replaces: an annual channel review built by hand from whatever data the ISOs chose to share.
01 · Oversight
What you see above your estate
League tables, risk radar, attrition — live.
You are here
02 · The platform
What your ISOs run on
Where all that data comes from.
03 · Licensing & trial
Three tiers, one trial
Start with 14 days above a demo estate.
Put an oversight seat above your estate.
Fourteen days above a fully populated demo estate — fictional data, real capability. Provisioned by hand; we're in touch within one working day.