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.

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.

Module 1 · Business Profile

Monthly Transaction Volume ($)

Average Order Value ($)

Annual Volume ($) — Durbin threshold

Merchant Category

Primary Market

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

Annual Cost

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

Cost Efficiency (30%)

—

Conversion Opt. (25%)

—

Rail Diversity (20%)

—

A2A/RT Adoption (15%)

—

BNPL Access (10%)

—

Top Recommendations

Configure your payment mix in Modules 1–2 to generate recommendations.

BNPL vs. Card Economics Comparator

BNPL MDR (%)

Estimated Default Rate (%)

AOV ($)

Card Effective Rate (%)

Monthly BNPL Volume ($)

BNPL Conversion Uplift (%)

BNPL True Monthly Cost

—

Card Monthly Cost

—

Cost Delta (BNPL − Card)

—

Break-Even AOV

—

Conversion Uplift Revenue

—

Net BNPL Benefit

—