Cat-13 · T144 · B2B Payments & Platform Operations

Embedded Payments Margin Simulator

Model margin waterfall for embedded payment programmes: interchange, scheme fees, processing cost, BaaS/sponsor bank fee, fraud loss assumption, reserve requirement, and net contribution margin per transaction. Configure by payment type and volume tier.

Embedded Finance Take Rate Margin Waterfall Zero PII Client-Side

Last Reviewed · 2026-05-12

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Programme Parameters

Payment Type

Monthly Volume (USD)

Average Transaction Size (USD)

Interchange / Revenue Rate (bps)

130 bps

Scheme / Network Fees (bps)

14 bps

BaaS / Sponsor Bank Fee (bps)

35 bps

Processing Cost per Transaction (USD)

Fraud Loss (bps)

6 bps

Reserve Requirement (%)

75 bps

Annualised opportunity cost of reserve on vol

Configure parameters and click Run Simulation