Tool 103 · Cat-6 · Treasury, Strategy & Revenue
Payment Method Mix Optimizer
Calculate your Payment Method Health Score and optimize checkout economics across cards, A2A, BNPL, wallets, and ACH. The Rail Blending Optimizer recommends the exact mix for your category and geography. Models Durbin routing savings and BNPL vs. card break-even.
Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
Reference Use Only
Processing cost benchmarks, interchange rates, and demographic preference data are embedded as static reference values for modeling purposes only. Actual costs vary by acquirer, card type, geography, and negotiated rates. Verify against your processor statements before making commercial decisions.
Processing cost benchmarks, interchange rates, and demographic preference data are embedded as static reference values for modeling purposes only. Actual costs vary by acquirer, card type, geography, and negotiated rates. Verify against your processor statements before making commercial decisions.
Module 1 · Business Profile
Monthly transaction count: -
Module 2 · Current Payment Mix (must sum to 100%)
Method
Volume %
%
Interchange (bps)
Flat Fee (¢)
Total Mix
0%
Module 3 · Monthly Processing Cost Breakdown
| Method | Volume % | Monthly Volume ($) | Monthly Cost ($) | Cost per Tx ($) | % of Revenue |
|---|
Total Monthly Cost
$0
Annual Cost
$0
Effective Rate
0.00%
Module 4 · Rail Blending Optimizer
Current Annual Cost
-
Optimized Annual Cost
-
Projected Annual Savings
-
±15% confidence interval
| Method | Current % | Recommended % | Cost Impact | Conversion Impact |
|---|
⚡ Durbin Amendment Opportunity Detected
Your annual volume exceeds $10M in the US market. Under the Durbin Amendment (Reg II), regulated debit issuers must offer at least two unaffiliated networks for PIN debit routing. Optimizing to preferred PIN debit routing for eligible transactions can yield savings of 20–60bps on debit volume.
Estimated Durbin routing saving: - / year
Module 5 · Payment Method Health Score
-
Health
Top Recommendations
Configure your payment mix in Modules 1–2 to generate recommendations.
BNPL vs. Card Economics Comparator
BNPL True Monthly Cost
-
Card Monthly Cost
-
Cost Delta (BNPL − Card)
-
Break-Even AOV
-
Conversion Uplift Revenue
-
Net BNPL Benefit
-