ISO residual management software compared (2026)

There are not many products built for ISO residuals, and they are not all the same kind of thing. Some are full CRM platforms where residuals is one module among many. Some do residuals and nothing else. And most offices still run month-end in Excel.

We make SplitRun, which is one of the products on this list, so treat this page accordingly. To keep it useful we describe each product the way its own website does, link to that website, and say plainly where SplitRun is not the right choice. Everything about other products was taken from their public sites on September 21, 2026. Check the links before relying on it, because products change.

The quick comparison

Full platforms: residuals as one module

These products aim to run the whole ISO: leads, applications, boarding, support and residuals in one system. They make sense when you want all of that in one place and have the time to move your office into it.

NMI Merchant Central (formerly IRIS CRM)

The best-known product in the market. NMI acquired IRIS CRM and now sells it as Merchant Central. NMI lists sales pipeline with a dialer, AI statement analysis, onboarding and eSign, automated underwriting, boarding across more than ten processor integrations, portfolio reporting, a helpdesk and merchant lending. Its residuals module covers ISO net and agent net calculation, fee verification, agent-facing reporting and ACH payouts. Pricing is not published. Best for ISOs, banks and payment facilitators that want one system for everything. See NMI Merchant Central. We compare it with SplitRun in detail in IRIS CRM alternative for ISO residuals.

ISOhub

A CRM built for merchant services. ISOhub lists lead and merchant management, onboarding with digital documents, support tickets, document and equipment management, reporting dashboards, and automated residuals and commissions with support for complex splits. Its site says implementation takes two to four weeks for most ISOs. Pricing is by demo request. Best for small and mid-sized ISOs that want an industry-specific CRM with residuals included. See ISOhub.

Twill

A newer platform that describes itself as an operating system for payments ISOs, with AI at each stage: selling, onboarding, activation, portfolio management and residuals. For residuals it lists file import, AI validation and multi-partner payout routing, and it names TSYS, Fiserv, Global, Elavon, Maverick, Priority, Kurv and North as data sources. Twill does not list prices; in its own comparison article it says it charges a percentage of processing volume. Best for ISOs that want an AI-led platform across the whole merchant lifecycle and are comfortable with volume-based pricing. See Twill.

Residual-focused tools

These do one job: take the processor's residual files and turn them into correct payouts and agent statements. They do not replace a CRM, and they do not need one to run.

Fullcast

Fullcast offers a residual commission product for payment ISOs, merchant service providers and agent networks. It lists multi-processor import and reconciliation, rule-based splits and overrides, MID matching and hierarchy management, branded agent statements, an audit trail and live reporting. Pricing is by demo and sales contact. Best for ISOs that want a controlled, auditable residual workflow and are happy with a sales-led purchase. See Fullcast residuals.

Commissionly

A commission management product that serves payment ISOs and insurance. It consolidates data from multiple acquirers, applies custom calculations for splits, gives agents access to their numbers, and connects to Salesforce, HubSpot and other tools. Its site says setup takes as little as four weeks. Pricing is on request. Best for offices that want commission tracking tied into a general-purpose CRM they already use. See Commissionly.

SplitRun

Our product. SplitRun reads the residual and profit reports you already receive from Fiserv, Global Payments, TSYS, Elavon, Maverick, Paysafe and others, matches merchants to agents, applies splits, shared merchants, overrides and deductions in a set order, and produces a statement per agent plus an agent portal. On top of the calculation it shows what the residuals are telling you: fading merchants, concentration, agent and processor profitability. Pricing is public, from $49 a month, on the pricing page. Best for owners whose problem is month-end, who want agents to see their own numbers, and who do not want to change CRM. Not for offices that need lead management, boarding, ticketing or ACH payouts from the same tool; SplitRun does none of those.

Excel

Still the most common residual system in the industry, and for a small office it is a reasonable one. It costs nothing extra and does exactly what you tell it. The trouble is that it also does exactly what you tell it when you are wrong: a formula dragged one row short, last month's tab, a rate overwritten in place. It has no memory of why a number changed and no way for an agent to check their own statement. Most offices outgrow it somewhere between five and fifteen agents, or when the second or third processor arrives. We wrote up the usual failure points in How to calculate ISO residuals.

What about the portal my processor gives me?

Most processors and sponsor ISOs give agents a portal showing residuals. These are useful and free, but each one only shows that processor's merchants, and only at the level of your deal with that processor. They do not know your splits with your own agents, your deductions or your overrides. If you work with one processor and pay no one downstream, the portal may be all you need. Once you pay agents across more than one processor, something has to combine the reports, and that is the job the products on this page do.

How to choose

1. Decide which problem you are solving. Losing track of leads and applications is a CRM problem. Month-end taking days and agents disputing statements is a residuals problem. A platform solves both but costs more to adopt. A residual tool solves one quickly.
2. Ask for the full first-year cost in writing. Most products here do not publish prices. Ask about setup fees, per-user fees, minimums and contract length, and compare totals.
3. Test with last month's real files. Any serious vendor should be able to load your actual processor reports and reproduce payouts you already know are correct. Do this before signing anything.
4. Count the processors. Confirm every processor and report format you receive is supported, including the awkward ones.
5. Look at it as an agent. Have one of your agents look at the statement or portal they would receive. Fewer disputes is half the value.
6. Ask how rate changes are handled. Splits change over time. The software should apply the rate that was in force in each month, so re-running an old month gives the old answer.

Frequently asked questions

What is the best residual management software for ISOs? It depends on scope. For an ISO that wants one system for sales, boarding, support and residuals, NMI Merchant Central (formerly IRIS CRM) is the most complete. For an ISO that only needs residuals calculated correctly with agent statements, a residual-focused tool such as SplitRun or Fullcast is faster to adopt and does not require changing CRM.

How much does ISO residual software cost? Most vendors do not publish prices and quote after a demo. Of the products on this page, SplitRun publishes its pricing, at $49, $149 or $299 a month plus usage above plan limits, and Twill states that it charges a percentage of processing volume. For the rest, ask for a written first-year total.

Do I need a CRM to manage residuals? No. Residual calculation works from the processor's residual reports and your agent agreements, not from CRM data. A CRM helps with selling and boarding. The two can be bought separately.

Can residual software handle more than one processor? The products on this page are built for it. Reports from different processors use different layouts and different definitions of profit, so confirm that your specific processors and report types are supported before you commit.

Is Excel good enough for residuals? For a very small office with one processor, often yes. It becomes risky as agents, processors and special deals accumulate, because errors are silent and nothing records why a number changed.

What happened to IRIS CRM? NMI acquired IRIS CRM and now sells it as NMI Merchant Central. It is the same product line under a new name.