Cat-14 · T163 · Embedded Finance & BaaS Infrastructure

BIN Sponsorship Economics Simulator

Model BIN sponsorship programme economics end-to-end: interchange income → rebate share → BIN rental fee → network dues → fraud loss → reserve requirement → net margin per transaction. Sensitivity analysis by volume tier. Break-even volume and 5-year NPV projection.

BIN Sponsorship Interchange Card Economics Zero PII Client-Side

Last Reviewed · 2026-05-12

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Programme Economics

Card Network

Gross Interchange Rate (%)

Typical debit: 0.8–1.2% · Prepaid: 1.2–1.8% · Credit: 1.5–2.5%

Fintech Rebate Share (%)

% of interchange passed through to fintech after sponsor bank share

BIN Rental Fee (USD/month)

Monthly BIN sponsorship fee charged by sponsor bank

Network Dues & Assessments (%)

Visa/MC assessment fees (% of volume, charged on gross)

Processing Cost (% per txn)

Processor + BaaS platform per-transaction cost

Fraud Loss Rate (%)

Estimated net fraud loss after recovery

Reserve Requirement (% of volume)

Capital set aside for chargebacks; earn implicit carry cost

Cost of Reserve Capital (%/year)

Average Transaction Size (USD)

Monthly Transaction Volume

Configure programme economics and click Simulate BIN Economics