Card Programme Unit Economics Builder

Model the unit economics of a card programme — co-brand, private label, fintech/BIN-sponsor, or prepaid. Compute interchange split, rewards liability, marketing contribution, and programme management cost to find breakeven spend-per-card and full annual programme P&L.

Interchange Split Rewards Liability Breakeven Analysis Policy Mandate Export Zero PII

Scope & Reliance — Programme economics vary significantly by contract structure, network, and product tier. This model uses simplified assumptions for planning and benchmarking purposes only. 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Deterministic logic · no inference · zero PII · CC BY 4.0.

Programme Configuration

Programme Type

Network

Active Cards Number of active accounts

Avg Annual Spend per Card ($) Total annual card spend / active accounts

Economics Inputs

Gross Interchange Rate (%) What the merchant pays (e.g. 1.80%)

Issuer Share of Interchange (%) Issuer keeps this %; rest flows to partner

Rewards Rate (% of spend) e.g. 1.5% cashback or points equivalent

Marketing Contribution ($/acct/yr) Cash from co-brand partner to issuer

Annual Card Fee ($) 0 if no annual fee product

Fraud / Losses (% of spend) Net fraud losses after recoveries

Programme Mgmt Cost ($/acct/yr) Processing, compliance, servicing

Programme Summary

Per-Card P&L Waterfall (Annual)

Full P&L Breakdown

Sensitivity Analysis — Net Income per Card

Base case highlighted in teal. Rows = spend scenarios; columns = rewards rate scenarios.

Industry Benchmarks — Issuer Net Income per Card/Year

MCP Manifest & Policy Mandate Export