EZ MerchantTracker: A CRM & Performance Tracking System Built for Merchant Services Agents

I've spent more than 16 years in merchant services.

I've signed hundreds of accounts, built sales organizations, managed agents and built recurring residual portfolios that completely changed my life.

And looking backward, there's something I wish I had throughout all of it.

I wish I actually knew my numbers.

Not just how much residual income I was making.

Not just how many merchants were processing.

Not just what was sitting inside the processor's backend.

I mean my numbers as a salesperson.

How many businesses did I contact over the years?

How many proposals and POS demos was I producing?

What percentage became signed accounts?

How many signed accounts actually activated?

How did this month compare with six months ago?

Was I becoming a better salesperson over time?

What were my actual conversion ratios of doors to results?

How did my production compare with other serious agents?

Where was I losing opportunities?

And on the days I told myself I worked hard, did the numbers actually agree with me?

I didn't have that. And untill now, it's never existed to track that data as the sales person.

No merchant-services agents I've met have it either.

That's why I'm building EZ MerchantTracker.

As of September 2026, EZ MerchantTracker is still being developed and tested and is coming soon. I'm announcing it now because I believe there is a major missing layer in merchant-sales technology, and it's something I wish existed throughout my own career.

We're not building another processor dashboard.

We're building software around the merchant-services salesperson.

COMING SOON: EZ MerchantTracker
Track Your Pipeline. Build Your Portfolio.
The CRM and performance-tracking system built around merchant-services agents.
ezmerchanttracker.com

Merchant Services Already Has Software. That's Not the Problem.

I want to make this distinction immediately because EZ MerchantTracker is not designed to replace the software your ISO, processor or merchant-services company provides you.

Those systems are important.

Your processing organization may give you access to merchant information, applications, underwriting statuses, boarding, processing data, residual reports, equipment information and other backend tools.

You need those systems.

If you're building through an established ISO rather than trying to become one yourself, part of the value of that relationship is having strong infrastructure behind you. I've written about why I believe many salespeople are better served focusing on sales while letting a strong backend organization handle operations in my article on merchant services agents vs. ISOs.

EZ MerchantTracker is solving a different problem.

Your processor's system is primarily designed to help manage the merchant and processing relationship.

I wanted something designed to help manage me as the salesperson building the portfolio.

That's a very different objective.

Who Is Tracking the Merchant Services Agent?

This was the question that eventually became the foundation for EZ MerchantTracker.

Your processor knows what merchants you boarded.

Your residual report tells you what your active portfolio is producing.

Your CRM may tell you who your leads are.

But where is the system that tells you:

How are YOU performing?

That's the missing layer I've wanted to build.

I haven't found another merchant-services platform that approaches the individual agent exactly the way I'm building EZ MerchantTracker: combining the sales pipeline, production activity, personal ratios, commissions, historical performance, competition, accountability and eventually AI coaching around the salesperson.

This isn't simply about storing contacts.

It's about creating a merchant sales performance system.

I Wish I Had This When I Started Selling Merchant Services

This is personal for me because I can't help thinking about what my career might have looked like if I had access to this kind of information from day one.

I did very well without it.

But I also spent years operating largely on instinct.

I knew how to work.

I knew how to sell.

I knew when I was producing.

I developed standards through experience.

But I couldn't open one system and see my entire sales history.

I couldn't see my personal conversion ratios developing over years.

I couldn't easily compare this quarter's performance with the same period the previous year.

I couldn't look at a visual production calendar and immediately see periods where my activity fell.

I couldn't compete on a leaderboard with other merchant-services agents across the country.

I couldn't have an AI coach examine my performance history and help identify where my sales process appeared to be breaking down.

If I had actually been able to see all of that?

I genuinely believe I could have produced considerably more.

Could it have doubled my production? I'll never know.

But knowing myself, I know what happens when you give me a scoreboard.

I want to beat it.

And I know a lot of salespeople are wired the same way.

Most Merchant Services Agents Know Their Income Better Than Their Performance

Ask an experienced merchant-services agent what their residual check is.

There's a good chance they know.

Ask how many accounts they signed last month.

They may know that too.

Now go deeper.

What's your proposal-to-close ratio?

What's your POS-demo-to-close ratio?

How much productive activity normally produces one signed account for you?

Are those ratios improving?

What percentage of the legitimate opportunities you created three months ago eventually activated?

How many active opportunities are sitting in your pipeline right now?

What's their estimated upfront commission potential?

What's their estimated residual potential?

How does your current activity compare with your strongest production periods?

That's where things usually become less precise.

I wrote more about this problem in Merchant Services KPIs: The Sales Numbers Every Agent Should Track because the point isn't to collect numbers for the sake of having a pretty dashboard.

The point is knowing what creates your results.

EZ MerchantTracker Starts With a CRM—But It Doesn't End There

You absolutely need CRM functionality.

Merchant sales generates leads.

You meet business owners.

You collect contact information.

You schedule appointments.

You prepare proposals.

You conduct POS demos.

You follow up.

You sign accounts.

You wait for approvals.

You get merchants activated.

Those opportunities need organization.

EZ MerchantTracker is being built around the actual merchant-sales pipeline, including stages such as:

New Lead → Follow Up → Proposal → POS Demo → Appointment Set → Deal Signed → Approved → Activated → Lost

Agents can organize leads, move opportunities through the pipeline, manage merchant information, track next steps and see where opportunities stand.

But if all I wanted was a place to store leads, I wouldn't have spent the time building this.

There are already CRMs.

The bigger idea is what happens when the CRM starts connecting the pipeline with the salesperson's behavior and performance.

Track What You Actually Did

This may be my favorite part of the entire concept.

I want an agent to finish a week and know what happened.

Not:

“I think I worked pretty hard.”

Not:

“I was busy.”

Not:

“I spent a lot of time on the business.”

Show me.

How much prospecting did you do?

How many proposals did you create?

How many POS demos did you conduct?

How many deals did you sign?

What moved?

What didn't?

This connects directly with something I've been teaching agents for years: production builds the business.

A merchant-services business isn't built because you watched another training video.

It's not built because you spent three hours organizing leads.

It's not built because you felt motivated Monday morning.

It's built through productive actions repeated consistently enough to create merchants.

That's also why I wrote Why Merchant Services Agents Fail: It's Usually Not a Lack of Information. Once you have access to education, products and support, the bigger question becomes whether you're consistently executing.

EZ MerchantTracker is being built to make that execution visible.

A Production Calendar Makes It Harder to Lie to Yourself

Imagine looking at an entire month and visually seeing your activity.

You can see the strong days.

You can see the weak days.

You can see when you disappeared.

You can see when activity increased.

Then you can compare those periods with the results that followed.

That matters.

Human memory is terrible at this.

We remember the long day.

We remember the difficult merchant.

We remember the two hours we spent driving around.

We remember being tired.

And that can turn into:

“I worked my ass off this week.”

Maybe you did.

The scoreboard will tell us.

Learn Your Own Merchant Sales Ratios

Agents have asked me versions of this question forever:

“Joe, if I hit 100 businesses, how many deals should I close?”

I can give people standards.

I can tell them what I've seen.

I can explain what I would expect from a productive salesperson.

But there's a better answer.

Let's find out what YOU do.

Two agents can perform the exact same amount of prospecting and produce very different results.

One may be excellent at getting to the owner.

Another may struggle.

One may identify legitimate targets quickly.

Another may pitch everybody.

One may be great at demos.

Another may close better through a simple proposal.

One may be excellent at getting merchants signed but weak at setting expectations, creating problems before activation.

Your personal ratios begin showing us the difference.

That's why EZ MerchantTracker is designed to connect activity with results and help agents establish their own performance history.

For a deeper breakdown of why I believe activity has to be measured alongside outcomes, read Sales Activity vs. Sales Results: What Merchant Services Agents Should Measure First.

The Results Pyramid Becomes Measurable

One of the sales frameworks I use is the Merchant Sales Results Pyramid:

Contacts → Owners → Full Pitches → Targets → Closes → Activations

I've taught this because it allows us to work backward.

Not enough activations?

Let's look at closes.

Not enough closes?

Let's look at legitimate targets.

Not enough targets?

Let's examine presentations.

Not enough full pitches?

Are you reaching owners?

Not enough owners?

How much contact activity are you actually creating?

Instead of saying:

“I'm struggling with sales.”

we can ask:

“Where exactly is the pyramid breaking?”

That is a much better coaching conversation.

Your Pipeline Should Show You What You're Building

Another thing I've wanted agents to see more clearly is the potential sitting inside their pipeline.

If you have legitimate opportunities in progress, what could those opportunities represent?

EZ MerchantTracker is being designed to show estimated upfront commission potential and estimated residual potential associated with active opportunities.

The word potential matters.

A proposal isn't income.

An unsigned merchant isn't a commission.

A signed merchant isn't necessarily an activated merchant.

The processor's official reporting remains the authority for actual compensation.

But understanding the possible economic value of the opportunities you're working can completely change how you look at follow-up.

That merchant you forgot to call isn't simply another contact sitting in your CRM.

It may represent a piece of the portfolio you're trying to build.

If you're newer to the industry and don't yet understand how upfront compensation and recurring portfolio income fit together, my complete guide to merchant services agent commissions explains the economics in much greater detail. Joe Wagner

Track Commissions Without Trying to Replace Your Processor

Commission tracking is another area where the distinction between MerchantTracker and processor software matters.

Your processor or ISO determines and reports your actual compensation according to your agreement.

EZ MerchantTracker doesn't replace that.

What I want is a way for the salesperson to connect the merchant they sold with the compensation associated with that production.

Which signed opportunities have paid?

Which haven't?

What did the agent expect?

What has been received?

How does today's production translate into the business they're building?

If you're building merchant services around recurring income, understanding compensation is fundamental. That's why I've also created separate resources explaining upfront commissions versus residual income and merchant-services residual splits. Joe Wagner

The education and processor reporting explain what you're actually being paid.

MerchantTracker helps connect that compensation to your individual sales production.

Make Merchant Sales Competitive Again

This is another feature I wish I had throughout my career.

Leaderboards.

Salespeople compete.

At least a lot of the good ones do.

Sometimes you're competing with another salesperson.

Sometimes you're competing with yesterday's version of yourself.

Sometimes you just want to see your name moving up.

I want agents to be able to compete around actual production activities and results.

Prospecting.

Proposals.

POS demos.

Deals signed.

Personal bests.

Streaks.

Milestones.

Achievements.

The purpose isn't to turn a serious business into a video game.

It's to make the things that create the business more visible and engaging.

If another agent is crushing it this month, I want you to see that.

Maybe it lights a fire under you.

This Is Also for Merchant Services Organizations

The individual salesperson is the center of the idea, but this can become incredibly useful for organizations too.

If you're managing merchant-services agents, you don't only want to know what boarded.

You want to know what's happening before the boarding.

Which agents are creating activity?

Who's building a pipeline?

Who's producing proposals?

Who's completing demos?

Who is signing accounts?

Where are individual agents struggling?

Where is the team improving?

That gives managers a much better coaching conversation.

Instead of:

“You need to sell more.”

we can potentially say:

“Your activity is strong. Your opportunity creation is strong. But your conversion after the demo is substantially weaker than the rest of your process. Let's work there.”

Now we're coaching something.

This Is Where AI Merchant Sales Coaching Gets Really Interesting

I'm especially excited about where this can go next.

AI sales coaching already exists.

But generic AI advice is easy to get.

You can open an AI tool today and ask:

“How do I become a better salesperson?”

It will give you an answer.

What interests me is something much more specific.

What happens when an AI sales coach understands merchant services, understands the methodology I teach and also understands your actual performance data?

Now imagine the agent asks:

“Why am I not closing enough business?”

Instead of providing ten generic closing tips, the AI could eventually examine the data and determine that closing may not be the primary issue at all.

Maybe you're barely creating proposals.

Maybe you're producing plenty of proposals but not following up.

Maybe your demos convert extremely well, but you aren't scheduling enough demos.

Maybe your activity has fallen dramatically over the last three weeks.

Maybe you have multiple opportunities sitting in Follow Up without recent action.

That's a very different kind of AI coaching.

I go much deeper into that vision in AI Merchant Services CRM: The Future of Sales Tracking and Agent Coaching.

Software Still Won't Do the Work for You

This is important enough that I want it stated clearly.

EZ MerchantTracker will not build your portfolio for you.

AI won't build your portfolio for you.

A CRM won't build your portfolio for you.

Your processor won't build your portfolio for you.

I've written an entire article explaining why there is no truly done-for-you merchant-services business. The infrastructure can help tremendously, but somebody still has to acquire the merchant. Joe Wagner

You have to execute.

The purpose of MerchantTracker is to make that execution easier to organize, easier to measure and harder to hide from.

And that leads directly into the second thing I'm building.

Coming Soon: Portfolio Builders Coaching

For years, one of the most common things agents have told me is:

“Joe, I know what I need to do. I need accountability.”

I hear it constantly.

And I understand why.

There is more sales information available today than at any point in history.

I've intentionally made foundational merchant-services education free through Merchant Service University.

My Merchant Sales Training Blog continues growing with detailed training on the industry, compensation, agreements, sales and portfolio building.

I've organized additional tools and training through my Merchant Sales Resources.

And I continue publishing merchant-sales education through my YouTube channel.

The information exists.

But information and execution are not the same thing.

That's where Portfolio Builders Coaching comes in.

As of this writing, Portfolio Builders Coaching is also coming soon.

It will be built around the thing agents repeatedly tell me they need most:

performance and accountability.

MerchantTracker Gives Us the Data. Coaching Gives Us the Conversation.

This is where these two projects fit together so naturally.

Imagine coming into a coaching conversation and instead of telling me:

“I had kind of a rough week.”

we can look at the week.

What did you commit to doing?

What did you actually do?

What moved?

What didn't?

Where is your pipeline?

What do your ratios tell us?

Where is the constraint?

What should you focus on next?

And most importantly:

What are you committing to doing before we talk again?

That's the coaching relationship I want.

Not another giant course.

Not another library of videos telling you what merchant services is.

We already have that.

Portfolio Builders Coaching is about helping you execute.

You May Not Need Coaching

I'll say something that probably isn't great marketing for a coaching program.

Some people don't need me holding them accountable.

There are salespeople who will work when nobody is watching.

They will prospect when they don't feel like it.

They will follow up.

They will stay in the field.

They will analyze their numbers.

They will make adjustments.

They don't need someone asking whether they did what they said they were going to do.

Those people exist.

I just think they're rare.

If that's you, great.

Use the software.

Know your numbers.

Compete.

Improve.

Go build.

But even highly self-accountable people can benefit from better information.

And for the much larger group that knows what to do but struggles to consistently do it, I believe the combination of tracking + coaching + accountability can become extremely powerful.

I'm Building the System I Wish I Had

That's probably the simplest way to explain EZ MerchantTracker.

I'm not building software because I woke up one morning and decided merchant services needed another CRM.

I'm building the system I wish I had while I was building my own portfolio.

A place where I could manage opportunities.

See what I did today.

See what I did this month.

Know my ratios.

Track my commissions.

See historical performance.

Compete with other agents.

Set goals.

Break personal records.

Identify where I was struggling.

Get coaching based on the numbers.

And eventually use AI trained specifically around merchant sales to help me improve.

If I had that throughout my career, I believe I would have been a better salesperson.

And that's what I want to give the next generation of merchant-services agents.

Where EZ MerchantTracker Fits Into the Merchant Sales Ecosystem

I've spent the last year building these pieces intentionally.

If you're brand new and don't understand merchant services yet, don't start by obsessing over software.

Start with education.

My 2026 Merchant Services Sales Beginner's Guide gives you the broader picture, and then you can go through the free training at Merchant Service University. Joe Wagner

If you're educated and ready to actually start selling, EZ Direct Sales helps connect qualified agents with merchant-services partnerships so they can begin submitting real business.

Explore EZ Direct Sales

Once you're producing, that's where EZ MerchantTracker enters the picture.

Track it.

Measure it.

Learn from it.

Improve it.

And if you want direct human accountability and coaching around the business you're building, that's where Portfolio Builders Coaching will fit.

The progression is becoming very simple:

LEARN → START → TRACK → IMPROVE → BUILD

EZ MerchantTracker Is Coming Soon

As of September 2026, we're still developing, testing and refining EZ MerchantTracker before releasing it publicly.

I want it tested.

I want real merchant-sales workflows inside it.

I want agents to be able to use it without spending their entire day managing software.

And I want the platform to continue evolving based on what actually helps merchant-services salespeople produce.

If you're reading this after launch, visit:

EZ MerchantTracker

If the platform is still showing as coming soon, that's because we're not opening the doors until we're comfortable putting agents into it.

In the meantime, don't wait for software to start building.

If you need education, start with Merchant Service University.

If you want more free sales training, browse the Merchant Sales Training Blog and Merchant Sales Resources.

If you're ready to get connected with a merchant-services opportunity and start producing, visit EZ Direct Sales.

And if you're interested in the accountability side of what we're building, watch for Portfolio Builders Coaching, also coming soon.

I've spent more than 16 years learning how to build merchant portfolios.

Now I'm building the technology and accountability system I wish I had while I was doing it.

Track the work. Know your numbers. Improve the performance. Build the portfolio.

Want to go deeper into why I built the platform this way? Read Merchant Services Agent CRM: Why Processor Dashboards Aren’t Enough for Salespeople to understand the difference between processor/ISO software and an agent-specific performance system. Then read Merchant Sales Tracking Software: How to Know Your Numbers and Build a Bigger Portfolio for a deeper look at tracking activity, personal conversion ratios, production and the numbers behind building a merchant portfolio.

Frequently Asked Questions

What is EZ MerchantTracker?

EZ MerchantTracker is a CRM and sales-performance platform being developed specifically around merchant-services agents and sales organizations. It is designed to combine lead and pipeline management with agent activity tracking, production metrics, conversion ratios, commissions, historical performance, competition and developing AI sales-coaching capabilities.

Is EZ MerchantTracker available now?

As of September 2026, EZ MerchantTracker is still being developed and tested and is coming soon. The planned product website is ezmerchanttracker.com.

Does EZ MerchantTracker replace my processor or ISO dashboard?

No. EZ MerchantTracker is not intended to replace processor or ISO systems used for applications, underwriting, merchant processing information, official residual reporting or other backend functions. It is being designed as an additional layer focused specifically on the sales agent's pipeline, activity, performance and accountability.

Is EZ MerchantTracker a merchant services CRM?

Yes. CRM functionality is part of EZ MerchantTracker, including merchant leads, pipeline stages, contact information, follow-up and sales opportunities. The broader goal, however, is to combine CRM functionality with merchant-sales performance tracking.

What can merchant-services agents track with EZ MerchantTracker?

The developing platform is designed around areas including leads, pipeline stages, prospecting activity, proposals, POS demonstrations, deals signed, approvals, activations, commissions, conversion ratios, goals and historical performance.

Can EZ MerchantTracker track merchant-services commissions?

Commission tracking is part of the platform's design. EZ MerchantTracker is not intended to replace the processor or ISO's official compensation reporting. Instead, it helps agents connect individual sales production with commission information and pipeline potential.

Will EZ MerchantTracker include leaderboards?

Leaderboards and competitive performance tracking are part of the platform being developed, allowing agents and organizations to make production more visible and engaging.

Will EZ MerchantTracker have AI sales coaching?

AI merchant-sales coaching is part of the longer-term product direction. The goal is to combine merchant-specific sales methodology with agent activity, pipeline and performance data so guidance can become increasingly contextual. These capabilities should be considered developing features rather than guaranteed current functionality until released.

What is Portfolio Builders Coaching?

Portfolio Builders Coaching is a merchant-services performance and accountability program Joe Wagner is developing alongside EZ MerchantTracker. It is intended to use goals, performance data, coaching and accountability to help agents improve execution and build merchant portfolios.

Is Portfolio Builders Coaching available now?

As of September 2026, Portfolio Builders Coaching is also coming soon. Final program details and availability will be announced separately.

Do I need Portfolio Builders Coaching to use EZ MerchantTracker?

No. EZ MerchantTracker is designed to provide value as an agent CRM and performance-tracking system independently. Portfolio Builders Coaching is intended for agents who want an additional human coaching and accountability layer.

Where can I learn merchant services while I wait for EZ MerchantTracker?

The core training at Merchant Service University is free. You can also use Joe Wagner's Merchant Sales Training Blog, Merchant Sales Resources and YouTube merchant-sales training.