Features
PayCost Pro is built around the real commercial variables that affect payment processing cost.
Cost Calculation
Monthly volume
Total processing volume in your selected currency
Transaction count
Number of transactions per period
Average ticket
Average transaction value
Approval rate
Expected authorization success rate
MDR
Merchant discount rate percentage
Authorization fees
Per-transaction authorization costs
Generic transaction fees
Fixed per-transaction charges
3DS/non-3DS transaction fees
Differentiated fees for authenticated transactions
Additional Fees
FX fee
Currency conversion costs
Settlement fee
Costs for fund settlement to merchant account
Monthly fixed fee
Recurring platform charges
Minimum monthly fee
Minimum commitment thresholds
Refund fees
Costs associated with refund processing
Chargeback fees
Dispute handling charges
Payout fees
Costs for payouts from merchant account
Top-up fees
Costs for funding merchant account
Liquidity and Reserve
Rolling reserve percentage
Percentage of volume held as reserve
Reserve duration
How long funds are held
Net after fees
Actual amount received after all deductions
Liquidity impact
Effect on short-term cash flow
Comparison and Reporting
PSP comparison
Side-by-side analysis of multiple offers
Saved scenarios
Store different pricing models
Scenario notes
Add context and annotations
Risk flags
Automated cost and liquidity warnings
Plain-language interpretation
Clear explanation of results
Report preview
Generate shareable summaries
Important Note
PayCost Pro does not process payments, connect to PSPs, or provide financial advice. It is a calculation and comparison tool.