How much can you earn by embedding payments?
Input your business metrics and get side-by-side revenue estimates across referral, PFaaS, and PayFac models — with industry benchmarks and a 5-year forecast, shown instantly.
How the calculator works
Revenue is modeled per operating model from your gross processing volume: attach rate determines processed GPV; the model determines your share of the processing economics; card mix and average ticket determine the cost stack underneath. For the economics behind each layer, read Chapter 5 of the Embedded Payments guide; for choosing the model, Chapter 2.
FAQ
What does the calculator model?
Your potential embedded payments revenue under referral, PFaaS, and full PayFac operating models — side by side — from your merchant count, GPV, attach rate, average ticket, and card mix, with a recommended model and 5-year projection.
Where do the default numbers come from?
Industry defaults (attach rate, average ticket, card-present share, card mix) are pre-filled per vertical and adjust when you pick your industry. Override any of them — your numbers always win.
Do I need to give my email to see results?
No. The full comparison renders as soon as you calculate. Saving your results for a personal follow-up is optional.
Estimates are directional, not a quote. Vendor-neutral by design — see the editorial methodology.