Tool 46 · Treasury, Strategy & Revenue

Payment Investment ROI & Business Case Builder

Build board-ready payment infrastructure investment cases. Compute NPV, IRR, and payback period across three scenarios. Compare card vs A2A, ACH vs real-time rail, or build vs buy using a structured cost-benefit framework.

Zero PII · Client-Side Only NPV / IRR / Payback 3-Scenario Model Board-Ready Export

Implementation Costs

One-Time Implementation Cost ($) Annual Ongoing / Licensing Cost ($) Integration / IT Labour ($) Training & Change Management ($)

Volume & Revenue Uplift

Annual Payment Volume ($) Current Processing Cost (bps) Expected New Cost (bps) Auth Rate Improvement (%) Chargeback Reduction (%) Current Annual Chargeback Cost ($)

Model Parameters

Forecast Horizon (years) Cost of Capital / Discount Rate (%) Volume Growth Rate (%/yr)

Comparison Mode

Compare

Cumulative Cash Flow

            — Optimistic
            — Base
            — Pessimistic
          

Base Case Annual Cash Flow

Year	Gross Benefit	Costs	Net Cash Flow	Cumulative	PV Factor	PV Cash Flow