Cat-14 · T169 · Embedded Finance & BaaS Infrastructure

Programme Agreement Economics Model

Model BaaS programme agreement P&L across 5 years. Configure interchange revenue share, processing fee pass-through, BIN rental, volume commitment ramp schedules, minimum monthly fee, and shortfall penalty clauses. Outputs annual P&L waterfall by year, break-even volume month, and Markdown programme economics memo.

Revenue Share BaaS Contract Zero PII Client-Side

Last Reviewed · 2026-05-12

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Agreement Parameters

Revenue Model

Gross Interchange Rate (%)

Fintech Revenue Share of Interchange (%)

% of gross interchange passed to fintech after sponsor bank fee

Processing Fee Pass-Through (%)

% of processing costs the fintech absorbs vs. sponsor bank

Processing Fee Rate (%)

Average Transaction Size (USD)

Fixed Costs

BIN Rental Fee (USD/month)

Programme Compliance Cost (USD/month)

Reg E monitoring, UDAAP reviews, card network compliance

Minimum Monthly Revenue Guarantee (USD)

Sponsor bank minimum fee — paid if earned revenue falls short

Volume Commitment

Year 1 Committed Volume (USD)

Shortfall Penalty (% of shortfall)

Penalty fee on volume shortfall below commitment

Volume Ramp (5 Years)

Year 1 Actual Volume (USD)

Year 2 Growth (%)

Year 3 Growth (%)

Year 4 Growth (%)

Year 5 Growth (%)

Configure programme agreement parameters and click Model Programme Economics