Residual split calculator for ISOs and agents
One merchant, one month. Enter the numbers from your residual file and your agent agreement, and see what the agent, the upline and the house each keep. Nothing you type leaves your browser.
Who gets what
| Total Profit | $228.00 |
| Your share from the processor | $182.40 |
| After office deductions | $172.40 |
| Agent | $86.20 |
| Upline override | $8.62 |
| House | $77.58 |
55% of what the office received is paid out. The house keeps 45%.
The same 50% on each base
| Total Profit, before the processor's split | $114.00 |
| The ISO's share, after the processor's split | $91.20 |
| What remains after office deductions | $86.20 |
How the calculator works
It follows the same order as a real month-end. It opens on the worked example from How to calculate ISO residuals, so you can check the two against each other.
- Total Profitis the figure on the processor's residual file: what the merchant paid, minus the processor's costs.
- Your share from the processor is applied next. If your file already shows only your share, enter 100.
- Office deductions come off before anyone is paid.
- The agent's split is applied to the base you choose.
- The overrideis either a percentage of the agent's commission or points on the agent's base.
- The house keeps what is left of what the office actually received.
Why the base matters more than the percentage
The second table shows the same agent percentage on all three bases. On the opening example a 50% agent is owed $114.00, $91.20 or $86.20 depending on one sentence in the agreement. If your agreements do not say which base applies, this is the first thing to fix. The other structures offices use, including tiers, bonuses and shared merchants, are covered in ISO commission split structures explained.
From one merchant to the whole book
This calculator does one merchant at a time. A real month is the same calculation across every merchant, every processor and every agent, with rates that change over time. That is what SplitRundoes: it reads your processors' residual files and produces a statement for each agent. See the sample agent report.
Frequently asked questions
How do you calculate an agent's residual split? Start from the merchant's Total Profit on the residual file. Apply the ISO's share from the processor if the file is not already net, subtract any office deductions, then multiply the agreed base by the agent's percentage. An override to an upline is calculated next, and the house keeps the rest.
What is Total Profit on a residual report? Total Profit is what the merchant paid in processing fees minus the processor's costs for that merchant. The processor calculates it and reports it per merchant, so it is normally the number a month-end calculation starts from.
What base should an agent's split apply to? There is no single standard. Agreements apply the split to Total Profit, to the ISO's share after the processor's split, or to what remains after office deductions. The same percentage pays a different amount on each, so the agreement should name the base in plain words.
What is the difference between an override on commission and points? An override on commission pays the upline a percentage of what the agent earned. Points pay the upline a percentage of the same base the agent is paid on. For an agent on a 50% split, 10 points pays the upline twice as much as a 10% override on commission.
Why does the house go negative? The house only receives the ISO's share, less deductions. If the agent is paid on Total Profit, before the processor's split, a high agent percentage plus an override can add up to more than the office received on that merchant.
Is this calculator free? Yes. It runs in your browser, nothing you type is sent anywhere, and no sign-up is needed.
See what your agents would receive each month.
View the sample report