Business Name:  Confidential (disclosed under NDA); a cash discounting and dual-pricing app on a leading US POS platform
Business Website:  Disclosed under NDA
Business Start Date:  2023
Business Location:  United States (remotely operated)
Business Valuation:  Open to Offers - Starting bid $10.2M - Bidding Deadline 10/31/2026
Operating Footprint:  Founder-led today; the app needs only light maintenance, occasional platform updates, and support
Business Model:  B2B SaaS, 100% recurring monthly subscriptions billed through the platform's app marketplace
Industry:  Payments and point-of-sale software (cash discounting and dual pricing)
Percentage Being Sold:  100%
App Revenue (2026 YTD, Jan to May):  ~$570,000 (platform developer dashboard)
Current Run-Rate:  About $130,000 per month after the platform fee (about $185,000 in gross billings)
Operating Economics (context):  The operating entity, largely this app, reported a ~73% net margin in 2025
YoY Revenue Growth: 97.21%
YoY Profit Growth: 141.51%
YoY Install Growth:  ~53% in 2025; growth in every month of the year
Total Billable Merchants:  23,000+ (early 2026); 25,000+ active paying per the seller
App Installs (2025):  ~15,500, up ~53% on 2024
Annual Merchant Churn:  ~6%
Acquisition:  100% organic, zero paid marketing
Tag Line:  A profitable cash discount app on a leading POS platform, 23,000+ paying merchants on fully recurring revenue

Executive Summary

The Company is a profitable software business on a leading US point-of-sale platform. It gives the platform's merchants a ready-made way to run a cash discount or dual-pricing program, so that the cost of card acceptance is passed to customers who pay by card while customers who pay in cash see a lower price. The app is sold as a monthly subscription billed through the platform, and revenue is fully recurring. It is operated today by a bootstrapped US company founded in 2023, and this sale is for the app on its own.

The growth has been steady and entirely organic. The app reached more than 23,000 paying merchants by early 2026 and recorded over 15,000 installs in 2025, up about 53% on the year before, with no paid marketing. Its revenue has risen from a standing start in 2023 to a run-rate of roughly $130,000 per month after the platform's fee by early 2026, with about $570,000 collected in the first months of the year. The operating entity that runs it, which is largely this app, earned a ~73% net margin in 2025, so the model turns revenue into profit at a high rate.

The business runs lean. It has no physical locations, a small team, and a short list of ongoing tasks: app maintenance, occasional updates to keep current with the platform's API, and customer support. The owner is retiring and wants to realize the value he has built. The sale is not driven by any problem in the business, which is still growing. The founding team is open to staying involved through a transition or longer if a buyer prefers.

Company Overview

The Company builds and operates subscription apps for merchants on a leading US point-of-sale platform. The platform is one of the largest small-business POS ecosystems in the United States, and its app marketplace lets third-party developers sell software directly to the merchants who use the platform every day. The Company has been publishing on the platform since 2023.

The app is the Company's flagship product and the source of most of its revenue and all of its growth. This sale is for the app on its own. The buyer acquires the app and its codebase, its app-marketplace listing and platform developer relationship, and the installed base of paying merchants. The other apps the Company operates are not part of the sale. The entity-level financial statements in Section 5 are shown as context for the operating model, since the app is the large majority of the entity's revenue.

On scope and figures.  This is a sale of one app only. App-level metrics (merchant counts, installs, monthly app revenue) come from the platform developer dashboard and are specific to this app. The entity statements in Section 5 are for the operating entity, which runs this app plus a small number of secondary apps, and the app is the large majority of that revenue. The platform bills merchants and pays the developer its share after a fee of about 30%, so revenue figures are amounts received after that fee, and gross merchant billings are higher. Detail and reconciliation are available in the data room after NDA.

Product and Technology

Cash discounting and dual pricing let a merchant show a lower price for cash and recover card-acceptance costs from customers who choose to pay by card. The rules around this differ by card network and by state, and a merchant who sets it up incorrectly can run into compliance problems. The app handles the setup inside the platform so a merchant can switch it on without working through the details themselves. That convenience is what merchants pay for, and it is why the app sits inside daily checkout rather than off to the side.

The product is delivered as a platform app, installed from the app marketplace and billed by the platform on a monthly subscription. It is offered in tiers, from an entry-level introductory plan up to higher-priced options, so a merchant can pick the level that fits how they run their register. Because the app is embedded in the point-of-sale flow, it becomes part of how the business takes payment, which is one reason churn stays low once a merchant is set up.

On the technology side the ongoing work is light. The main tasks are routine app maintenance and keeping current with the platform's API as it updates, plus customer support for merchants. The seller describes the operation as running largely on autopilot, and the work does not require a specialized team. A pre-sale handover covers the codebase, the platform developer account, and the support process.

Market and Customers

Card acceptance costs have risen for years, and small merchants feel them directly. Cash discounting and surcharging have become a common response, and a large share of independent retailers, restaurants, and service businesses now run some form of it. The platform is one of the most widely used POS systems for exactly this kind of merchant, which puts the app in front of a steady flow of businesses looking for a way to offset processing fees.

The customer base is broad and granular. As of early 2026 the app served more than 23,000 billable merchants, and the seller reports more than 25,000 active paying merchants across the United States. No single merchant represents a meaningful share of revenue, so there is no customer concentration. Annual churn runs at about 6%, which is low for small-business software and reflects how embedded the app becomes once a merchant builds it into checkout. Customers are spread across the US, with a small and early presence in a second market.

Financial Performance

The app is sold on its own revenue. The figures below come from the platform developer dashboard and are specific to the app. Revenue is the amount received after the platform fee. Year-to-date revenue reached about $570,000 through early May 2026, and the monthly figure has climbed across the year. The seller reports a current run-rate of about $185,000 in gross billings per month, which is roughly $130,000 per month after the fee, so the app is running at well over a million dollars a year and still growing.

Revenue from a standing start in late 2023 (the app billed a few thousand dollars a month at launch) to roughly $48k per month by the end of 2024 and the figures above in 2026.

Operating economics

How profitable the app is can be read from the entity that operates it. The operating entity runs the app plus a small number of secondary apps, and the app is the large majority of its revenue and effectively all of its growth. The entity's filed results for the last three years are below. The 2023 and 2024 figures are from the Form 1120-S line items, and 2025 is from the full-year profit and loss. They show how lean these apps run, with revenue close to doubling in each of the past two years against a mostly fixed cost base.

Entity-level, filed-statement basis (2023 and 2024 from Form 1120-S line items, 2025 from the full-year profit and loss). Not independently audited. The app is the large majority of this revenue; the figures are shown for the margin profile, not as standalone app accounts.

In 2025 the entity earned about $1.05M on about $1.43M of revenue, a ~73% margin, after owner compensation of about $120k. The cost base is small and mostly fixed, so revenue converts to profit at a high rate. A buyer who takes the app on its own runs it on a light cost base of maintenance, occasional the platform updates, and support, and sets their own overhead rather than inheriting the entity's. The entity's 2025 operating costs are below as a guide to what running these apps actually takes.

Growth and Distribution

All of the growth has been organic. The company has spent nothing on paid acquisition. New merchants come from the platform's own sales reps recommending the app and from word of mouth among merchants, and that has been enough to add roughly 80 new installs a day. The app recorded over 15,000 installs in 2025 against about 10,000 in 2024, up about 53%, and the platform showed over 1,500 installs in the trailing 30 days at the time of the data pull.

Install volume held up through 2026. Over the three months from February to April 2026 the app added over 3,300 new installs against roughly 1,100 removals, a net gain of more than 2,000 paying merchants in 90 days. Installs grew in every month of 2025, from roughly 1,200 a month early in the year to a peak above 1,500 in the autumn, and totaled over 15,000 for the year against about 10,000 in 2024.

Operations and Team

The operation is deliberately small. There are no physical locations, and the business is run remotely. The founder leads it, with a small amount of support staff and contract help shown in the payroll lines of the 2025 accounts. Day to day, the work is app maintenance, occasional the platform API updates, and merchant support, and the seller reports that it runs largely on its own. Because the app is billed and distributed entirely through the platform, the company does not carry the billing, collections, or payment-infrastructure burden that a standalone SaaS product would.

This is one of the reasons the margin is high and the handover is simple. A new owner does not inherit a large team or a complicated stack. The seller is willing to support a transition and is open to staying on longer if a buyer wants continuity, which is a point to settle in negotiation rather than a fixed term.

Revenue Model

Revenue is 100% recurring. Merchants pay a monthly subscription for the app, billed by the platform and collected through the merchant's account on it, so there are no invoices to chase and no separate payment processing to run. The platform takes a fee of about 30% and pays the developer the balance, which is the revenue recorded by the company. The recurring base is what gives the business its predictability: once a merchant is set up, the subscription continues month after month at roughly 6% annual churn.

Pricing is tiered, with an entry-level introductory plan and higher-priced options. Most new installs come in on the introductory tier, which leaves room to move merchants up over time. There is no paid marketing cost in the model, so revenue converts to profit at a high rate as the base grows.

Growth Opportunities for a Buyer

The business has grown to its current size without doing several of the things a typical software company would. Each item below is available to a new owner.

1. Paid acquisition. Growth so far is entirely organic. A buyer who adds even a modest paid program, or a direct outreach effort to the platform's merchants, has a clear lever the current owner has not pulled.

2. Pricing and tier migration. Most merchants sit on the introductory tier. Structured upgrades, annual plans, and price testing are under-used and would raise revenue per merchant on the existing base.

3. New regions. The merchant base is almost entirely US, with a small start in a second market. The platform operates in other markets, and the same app can follow its footprint.

4. Retention and win-back. At about 6% annual churn there is a small, steady outflow of merchants. A structured onboarding and win-back effort, which the current owner has not run, would lift retention and net merchant adds on the existing base.

5. Adjacent merchant tools. The same merchant relationship supports nearby products, from reporting to compliance features, that a buyer with a product team could build on top of the installed base.

Risk Considerations

These are set out plainly because a buyer will examine them in diligence.

• Platform dependence. The business depends on a single point-of-sale platform's app marketplace for distribution and billing, and the platform sets the fee and the marketplace rules. This is the central item in diligence. It is offset by a long, published track record on the platform and a large, low-churn merchant base built through the platform's own channel.

• Regulatory environment. Cash discounting and surcharging are governed by card-network rules and by state law, both of which can change. The product exists to keep merchants on the right side of those rules, so its value rises with the complexity, but a buyer should plan to keep current with the regulations.

• Owner transition. The business has been run by its founder. The seller offers transition support and is open to a longer arrangement, which addresses continuity, and the day-to-day workload is light and documented.

• Single-app acquisition. This is the purchase of one app and its merchant base. The value rests on the app continuing to perform on the platform, so a buyer is underwriting that app and its installed merchants rather than a diversified portfolio. The long track record on the platform and the low churn support that case.

Reason for Sale

The founder is moving toward retirement and wants to realize the value he has built after taking the app to its current scale on the platform. There is no distress behind the sale. The business is still growing, both in revenue and in merchant count, and the owner is selling from a position of strength rather than necessity. The founding team is open to staying involved through the handover and beyond if a buyer prefers.

The Transaction

Offered. The app, sold as an asset sale. The buyer acquires the app and its codebase, its app-marketplace listing and platform developer relationship, and the installed base of paying merchants. The other apps the operating entity runs are not included.

Price. Offers are invited through FIH.com. A guide price is available on request under NDA. The earnings are set out in Section 5 so a buyer can form a view.

Structure. The owner is bootstrapped with no debt and no outside investors, so the business transfers cleanly. Deal structure is open, with a preference for a straightforward, mostly-cash transaction. The seller is willing to discuss a transition or a longer consulting arrangement.

Process. Offers are made through FIH.com. After NDA, the data room opens with the filed financial statements, the platform developer dashboard exports for the app, the merchant and install history, and a handover checklist. Real identifying details are disclosed once an NDA is signed.