ISOs are constantly trying to get a more granular understanding of their merchants. With more information, they are able to better manage their portfolios and initiate more compelling marketing campaigns.  Together, these efforts lead to more sales and profits for the ISO. Getting the right info requires sophisticated residual reporting systems.

A late 2015 study conducted by economic and financial analysis firm The Perryman Group found that electronic payments have added more than 23 million permanent jobs and an additional 12 percent to the gross domestic product (GDP).