You added SaaS to reduce churn and build recurring revenue. Payments is the next layer. You earn 30% of processing profits on every transaction your clients make. As you add clients, it multiplies. As their volume grows, it compounds. This is how agencies build revenue that scales without scaling their workload.
Every time you set a client up on Stripe, you hand their payment volume, and all the revenue that comes with it, to someone who will never pay you a dime for the referral.
You refer clients to Stripe. Stripe earns 2.9% + 30¢ on every transaction. You earn nothing.
SaaS reduced churn. It didn't eliminate it. Your software makes switching harder, but another agency can still replicate your stack. There's no cost they can't overcome with a better offer or a lower price.
You carry the risk, not Stripe. When Stripe freezes a client's funds or cancels their account, they call you. You spend hours fixing a problem you can't control.
SaaS was the right first step. But it's not the last one. SaaS revenue improved your multiples over pure retainers. Adding payment infrastructure on top of SaaS creates a second recurring revenue stream with even higher switching costs.
If you have 100 clients each processing $25,000/month, that's $30M in annual volume flowing through a processor that pays you nothing for sending it there.
The volume exists. The relationships exist. The only thing missing is your cut.
We handle the approvals, the onboarding, and the support. You provide the one thing we can't: a warm introduction to clients who already know, like, and trust you.
You don't become a payment processor. You don't field support tickets about transactions. You don't learn interchange tables. Noomerik handles every piece of the payments operation, whether you white-label us or not. Your only role is connecting us with clients you already serve.
You added HighLevel to make switching harder. It worked. But another agency can still spin up the same SaaS stack. When clients also process payments through your infrastructure, switching means rebuilding their entire payment setup: migrating customer cards, re-applying for merchant accounts, re-training staff. That's a layer no competitor can replicate with a better offer.
Your residuals grow two ways: you add new clients, and your existing clients grow their volume. A client processing $25K/mo this year might process $50K/mo next year. Your residual from that single client doubles without a single conversation. This is revenue that scales while you sleep.
SaaS moved you from retainer multiples to software multiples. Adding payment residuals moves you further. Payment revenue has real switching costs that acquirers value. SaaS alone might get you a 3-4x exit. SaaS plus payments is where 5-6x starts.
Your client pays $500/mo for your agency. They also pay $850/mo to process payments, whether that's through Stripe, a local processor, or some interchange-plus deal they were talked into years ago. When you switch them to Noomerik with dual pricing, their processing costs drop to roughly $160/mo.
That's $690/mo in savings. More than your monthly fee. Your services just paid for themselves before you delivered a single result.
You're not a cost to your client anymore. You're a profit center.
Refers clients to Stripe, earns $0 from processing
SaaS reduces churn, but competitors can replicate the stack
Competes on price, features, and deliverables
Spends hours fixing Stripe freezes and cancellations
SaaS multiples at 3-4x, limited by replicable infrastructure
Revenue grows only when you add clients or raise prices
Earns 30% of processing profits on every transaction, every month
SaaS + payments creates switching costs no competitor can overcome
Competes on value no other agency can replicate
Clients on stable accounts with no freezes and no emergency calls
SaaS + payment residuals push exit multiples to 5-6x
Revenue compounds as existing clients grow their volume
Every new client you onboard multiplies your residual. And as each client's volume grows, it multiplies again without you doing anything.
A HighLevel agency starts with 100 clients averaging $15,000/month in processing volume.
By year 2 the agency has grown to 130 clients. Normal agency growth. Nothing extraordinary.
Existing clients grow from $15K to $20K/month average. Their businesses are scaling, and your residual scales with them.
SaaS was layer one. Payments is layer two. 30% revenue share. White-label option. Clients that stay. Revenue that compounds.
Add Payments to Your Agency →