Payments Business Insights & ROI Modeling

Payments economics, KPI tracking, a backtested revenue/volume forecast, and a rail-shift scenario calculator — computed from the same shared transaction ledger as the rest of this platform, over however much real history has accumulated so far.

Total revenue
Total volume
Total cost
modeled network/processing cost
Net margin
revenue minus cost

Rail economics

Card Network

Interchange revenue scales with dollar volume — a percentage of every approved transaction.

Wire Transfer

A flat fee per wire regardless of amount — a $50 wire and a $5M wire earn the same fee.

ACH Network

A small flat per-item fee — high volume, low margin by design.

Zelle (P2P)

No direct revenue. Real Zelle is free to consumers — this rail is a cost center funded by retention value, not fees.

Trend & forecast

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Scenario: shift volume between rails