Card Payment Profitability Calculator

Profit opportunity calculator

See your annual savings potential

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Where could this opportunity be hiding?

For Card Issuers

Potential profit gaps may be linked to scheme fee allocation, card product economics, transaction mix and pricing assumptions

Cross-border and transaction mix

Card product profitability

Scheme fee costs

Pricing assumptions

For Merchant Acquirers

Potential profit gaps may be linked to merchant pricing, scheme fee allocation, transaction mix and portfolio-level averages.

Loss-making merchants

Underpriced segments

Scheme fee allocation

Transaction mix

Same portfolio — different unit economics

Overall portfolio performance can look healthy while individual card products, merchants or transaction types operate at much lower margins. Portfolio averages smooth out these differences — and make them difficult to act on.

Overall portfolio

Healthy overall

Positive average performance

Hidden profit leaks

Leaks uncovered

Underperforming pocketsdragging down profits

Profitable

Low / Break-even

Loss-making

Proven across payment business models

Real examples of better visibility turning into business results.

Card issuers

Mid-Sized EU Issuer

Invoice and QMR/QOC analysis across networks, products and countries revealed an estimated $0.60 per card in annual card network fee optimisation potential compared with the issuer's existing manual process.

Annual potential

$0.60 / card

Analysis scope

Network · Product · Country

Compared with

Manual process

E-Commerce acquirers

Pan-European E-Commerce Acquirer

Daily transaction fee prediction, fixed-fee allocation and regular model updates helped improve merchant transparency, correct billing errors and achieve a 13% revenue increase.

Revenue increase

13%

Fee prediction

Daily

Model updates

Visa & Mastercard

BaaS Providers

Pan-European BaaS Provider

Transaction-level prediction and allocation of Visa and Mastercard scheme fees and interchange, supported by monthly invoice reconciliation, improved the accuracy and efficiency of cost and revenue allocation across fintech partners.

Allocation level

Fintech partner

Costs covered

Scheme fees + interchange

Reconciliation

Monthly

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How much profit are portfolio averages hiding?

Where could this opportunity be hiding?

Same portfolio — different unit economics

Proven across payment business models