Cat-13 · T141 · B2B Payments & Platform Operations

Virtual Card Program Cost Modeller

Model virtual card programme economics end-to-end: interchange income, rebate waterfall, BIN fees, network dues, processing cost, and net margin per transaction. Compare virtual card economics against ACH and wire for the same supplier payment.

Virtual Card Interchange Rebate Waterfall Zero PII Client-Side

Last Reviewed · 2026-05-12

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

Programme Parameters

Monthly Payment Volume (USD)

Total B2B payments routed via virtual card per month

Average Transaction Size (USD)

Interchange Rate (%)

2.00%

Commercial card interchange typically 1.8–2.7%

Rebate Share to Corporate (%)

50%

Percentage of interchange retained by your programme

Monthly BIN / Sponsorship Fee (USD)

Processing Cost per Transaction (USD)

Fraud Loss (bps)

8 bps

Reserve Requirement (%)

1.0%

Discount Rate for NPV (%)

Configure parameters and click Run Model