Payment Cost Calculator

Estimate your potential payment-cost savings.

Compare your current card and bank payment mix with an alternative scenario. Enter your payment volume, then adjust fees, customer adoption and operating costs to reflect your business.

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FRACTAL NEXUS / CONNECTED CONSTRUCTIONEXPLORE

PAYMENT OPTIMIZATION / PROFIT IMPACT

Keep more of what you earn.

Start with two numbers. See how a change in payment mix can reduce costs and flow through to profit.

Estimated annual pre-tax profit improvement$42,000

Same sales. Lower payment costs.

18.3%lower recurring costs

TOTAL ANNUAL RECURRING COST

Current payment mix$230,000

Optimized with Nexus$188,000

Move 30% of card volume to bank payments: card share changes from 80% to 56%.

Added annual costs are included. First-year profit impact: $32,000, after one-time costs.

Annual cost breakdown
Cost	Current	Optimized	Savings
Card payment fees
Bank payment fees
Added annual operating costs
Total recurring cost

Net annual savings $42,000Less one-time costs $10,000First-year profit impact $32,000

How the calculation works

Connect the mix. Current card volume = annual volume × card share. The remaining volume is bank payments. Optimized card volume = current card volume × (1 − the share moved to bank).
Compare the costs. Payment costs = card volume × effective card fee + bank volume × effective bank fee. Add incremental annual platform and operating costs to the optimized scenario.
See the profit impact. Net annual savings = current costs − optimized recurring costs. Each dollar saved adds a dollar to pre-tax profit if revenue and other expenses stay the same. First-year impact subtracts one-time costs once.

Assumptions behind this estimate

Adjust the assumptions

Card volume moved to bank (%)

Effective card fee (%)

Effective bank fee (%)

Added annual platform / operating costs ($)

One-time implementation costs ($)

Use effective rates that include your per-payment charges and method-specific fees. Enter extra recurring costs above. These are editable scenario assumptions, not quoted Nexus pricing.

Payment volume is money processed, not company revenue. No profit-margin percentage is assumed. This model excludes chargebacks, refunds, taxes, fraud losses, financing, pass-through fees, staff-time savings and working-capital effects. Caps, minimums and other fees are excluded unless reflected in your effective rates or added costs. Actual adoption and contracted terms determine your results.

Illustrative estimate. Adjust the assumptions in Detailed to reflect your business.

Review your payment costs

How to use the estimate

Start with two numbers: your annual payment volume and the share paid by card. The estimate compares your current payment mix with a mix that moves part of your card volume to bank payments, including added annual and one-time costs.

Open Detailed to review the assumptions and adjust the effective fees, the share moved and the added costs. Results are illustrative, are not a quote and do not include every fee your processors may charge.

Get a tailored review

Share high-level volume, mix and known costs through the demo form and choose Payments & receivables. Do not send sensitive payment or customer records through the website.

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Turn disconnected workflows into work that moves.

Tell us about your systems, the workflow you want to improve, and the outcome you need. We’ll explore where Nexus fits and define a practical next step.

After you submit your demo request, the Fractal Nexus team will contact you about your interest to discuss relevant capabilities, readiness, and deployment requirements.

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