Assumptions
Edit commercial model inputs, switch scenarios, and persist changes locally in this browser.
Loading…
Recurring SaaS fee paid by the merchant.
Fixed fee charged per successful payment.
Stored internally as a decimal. Displayed as a percentage.
One-off fee charged in the first year only.
Minimum contract length used for commercial packaging context.
Determines how the per-payment transaction fee is calculated.
Acquiring percentage applied to card payment value.
Fixed card acquiring cost per card payment.
Cost per card pre-authorisation attempt.
Average card authorisation attempts including retries.
Cost per successful PayTo payment.
Cost per successful wallet payment.
Settlement cost applied per successful payment.
Cost per email notification.
Cost per SMS notification.
Average chargeback / dispute allowance per successful payment.
Active recurring customers on the merchant bill book.
Average payment frequency per customer.
Average successful payment amount.
Share of payments that fail on the first attempt.
Share of failed payments recovered by the merchant today.
Manual handling cost applied to initial failed payments.
Share of unresolved failed payment value written off.
Share of initial failed payments recovered with Sparelane.
Share of Sparelane recoveries via backup card.
Share of Sparelane recoveries via PayTo.
Share of Sparelane recoveries via wallet.
Recovery mix total: 100%
Valid totalShare of failed payments no longer handled manually.
Share of incremental recovered value included in quantified merchant benefit. Default is 0%.
Share of successful payments processed on card.
Share of successful payments processed via PayTo.
Share of successful payments processed via wallet.
Payment mix total: 100%
Valid total1 email per successful payment is a typical baseline.
0.15 SMS means 15 SMS messages per 100 successful payments.
Merchants by year
Active merchants at the end of each forecast year.
Annual payments processed per active merchant.
Annual staff costs
Staff operating costs by year.
Annual sales and marketing costs
Sales and marketing spend by year.
Annual legal and compliance costs
Legal and compliance spend by year.
Annual other operating costs
Other operating expenses by year.
| Assumption | Source | Confidence | Status | Notes |
|---|---|---|---|---|
| pricing.monthlyPlatformFee | Commercial packaging draft | medium | working | Subject to pricing scenario comparison. |
| pricing.fixedTransactionFee | Commercial packaging draft | medium | working | — |
| pricing.percentageTransactionFee | Commercial packaging draft | medium | working | — |
| pricing.implementationFee | Commercial packaging draft | medium | working | — |
| paymentCosts.cardPercentageCost | Working enterprise acquiring estimate | low | working | Replace with provider quote after commercial discussions. |
| paymentCosts.cardFixedCost | Working enterprise acquiring estimate | low | working | Working assumption, not a verified provider quote. |
| paymentCosts.payToCost | Working PayTo cost estimate | low | working | — |
| paymentCosts.walletPaymentCost | Working wallet cost estimate | low | working | — |
| merchant.firstAttemptFailureRate | Industry benchmark working assumption | medium | working | — |
| merchant.recoveryRateWithoutSparelane | Founder estimate | low | working | — |
| merchant.operationalCostPerFailedPayment | Operational cost working assumption | medium | working | — |
| merchant.badDebtRate | Working credit-loss estimate | medium | working | — |
| performance.recoveryRateWithSparelane | Product thesis | medium | working | — |
| performance.manualHandlingReduction | Product thesis | medium | working | — |
| paymentMethodMix.cardShare | Expected successful-payment mix | medium | working | — |
| forecast.merchantsByYear | Founder growth plan | low | working | — |