Payment Revenue Calculator
Estimate the payment revenue your ISV can generate based on transaction volume, average ticket size, and margin structure.
Integration model
Pick a preset to load a typical margin for that model. Fine-tune the basis points below.
Average monthly processing volume per merchant
Average transaction amount
1 bps = 0.01%. PayFac-as-a-Service typical: 20–50 bps
Number of merchants processing through your platform
Estimated Payment Revenue
PayFac-as-a-Service · 30 bps
$15,000
per month
$180,000
per year
Side-by-side: same volume, three integration models
Typical bps per model · at your volume of $5,000,000/mo
5–15 bps
Referral / Agent
$60,000
per year · $5,000/mo
Hand off the merchant, earn a revenue share. Days to launch.
20–50 bps
PayFac-as-a-Service
$180,000
per year · $15,000/mo
Managed facilitation — Stripe Connect, Finix, Tilled, Xplor Pay.
60–100+ bps
Registered PayFac
$480,000
per year · $40,000/mo
Own the acquiring program end-to-end. ~$50M+ volume to pencil.
Gross revenue only. Subtract your actual cost stack (PaaS provider take, compliance, ops headcount, PCI audit) for net contribution. Registered PayFac typically only pencils above ~$50M annual processing.
How ISVs Earn Payment Revenue
When you embed payments into your software, you earn a margin on every transaction your merchants process. This typically works as a markup on top of interchange and processor fees, creating a recurring revenue stream that scales with your merchants' growth.
Key Variables
Monthly Transaction Volume
Total dollar amount processed across all your merchants per month.
Average Ticket Size
Higher tickets mean fewer transactions for the same volume, which can affect per-transaction fee economics.
ISV Margin (Basis Points)
Typical ISV markups range from 10-50 basis points depending on integration model and negotiated rates.
Number of Active Merchants
More merchants processing through your platform means more aggregate volume and revenue.