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ILLUSTRATIVE SAMPLE

Your payment costs. In perspective.

Sample business · 2025-01-01 to 2025-12-31

Sample data and illustrative provider pricing. No statement was analyzed and no payment is required. The sample PDF uses the original sample assumptions.

Effective processing rate2.83%Based on confirmed card costs

Annualized processing cost$56,600365-day statement period

Average transaction$250.00Confirmed volume ÷ transactions

YOUR MODELED OPPORTUNITY

Potential annual savings

$2,136 to $10,680

Across conservative to higher adoption, using the best modeled rail in each scenario. Scenarios, not predictions.

Conservative

$2,136

Expected

$6,408

Higher adoption

$10,680

Potentially eligible annual volume: $1,200,000

Explore your assumptions

Changes recalculate instantly

Eligible payments60%

Share of current card payments that could switch.

Customer adoption30%

Share of eligible payments that actually switch.

Customer incentive0.25%

Discount offered on shifted payment volume.

ACH extra costs — annual budget (USD)

Enter estimated annual totals for bank verification, failed payments, disputes, and operations. Include provider fees and unrecovered losses where relevant. Zero excludes that cost; it does not mean the service is free.

Bank verification

Failed payments

Disputes

Other ACH operating costs

These annual budgets apply only to ACH and stay constant across adoption scenarios, including zero adoption. Adjust them for each rollout plan. Use standard settlement pricing; confirm US/USD eligibility, authorization, timing and actual provider terms. Avoid counting software costs twice.

Compare payment methods

Selected scenario · 30% adoption

Payment method	Shifted volume	Alternative cost	Annual savings	Max. incentive
Current card economicsActual confirmed statement	—	$56,600All annual card fees	Baseline	—
ACH direct debitIllustrative ACH provider	$360,000	$2,880Includes $0 annual extra costs	$6,408	2.03%
Pay by bankIllustrative bank provider	$360,000	$3,240	$6,048	1.93%
Digital-dollar paymentIllustrative digital-dollar provider	$360,000	$5,400	$3,888	1.33%

Recommended next steps

Based on your modeled economics

ACH direct debit has the lowest modeled cost under your selected assumptions. Start with a limited pilot among eligible customers, then measure actual adoption and costs.

ACH may suit recurring or larger-ticket payments. Confirm authorization, settlement timing, returns handling, and customer preferences before implementation.

Digital-dollar payments are an emerging option to test. Customer adoption, conversion charges, refunds and accounting workflows require validation.

These rail scenarios are alternatives, not additive savings. Shift only the selected eligible share and retain cards for the remaining payments.

Caps and minimums use the statement’s average ticket. A transaction-level distribution may produce materially different costs.

Provider assumptions & tradeoffs

Snapshot retained with this audit

ACH direct debit

0.8% + $0.00 per payment, capped at $5.00; minimum $0.00. Effective 2025-01-01.

Illustrative only. Verify current provider terms. Settlement delays, return risk and authorization requirements apply.

Pricing source

Pay by bank

0.9% + $0.00 per payment; minimum $0.00. Effective 2025-01-01.

Illustrative only. Eligibility and bank coverage vary; model does not include integration costs.

Pricing source

Digital-dollar payment

1.5% + $0.00 per payment; minimum $0.00. Effective 2025-01-01.

Illustrative all-in assumption. Emerging option; test adoption, conversion, settlement and refund operations before rollout.

Pricing source

Calculator 1.1.0. Annualization: 365 ÷ 365 days. Fee caps and minimums use average ticket. Savings from different rails must not be added together. The PDF preserves the purchased scenario; adjustments here are exploratory.

Annualized estimate based on the uploaded statement period. This is not actual historical annual performance unless a full year was provided. This analysis is an informational estimate based on the information contained in the uploaded processing statement and assumptions selected by the user. Actual processing costs, customer adoption, provider pricing and savings may differ. This report is not legal, tax, accounting, investment or regulatory advice. Payment-provider pricing and availability may change.