Assumptions

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Calculations are using the current assumptions.

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Pricing

Platform, transaction and implementation packaging.

Monthly platform fee

workingmedium confidence

Recurring SaaS fee paid by the merchant.

Fixed transaction fee

Fixed fee charged per successful payment.

Percentage transaction fee

Stored internally as a decimal. Displayed as a percentage.

Implementation fee

One-off fee charged in the first year only.

Contract term (months)

Minimum contract length used for commercial packaging context.

Active pricing model

Determines how the per-payment transaction fee is calculated.

Payment costs

Variable cost assumptions used for unit economics.

Working assumptions

Working assumptions, not verified provider quotes.

Card percentage cost

workinglow confidence

Acquiring percentage applied to card payment value.

Card fixed cost

workinglow confidence

Fixed card acquiring cost per card payment.

Pre-authorisation cost

Cost per card pre-authorisation attempt.

Average card attempts per payment

Average card authorisation attempts including retries.

PayTo cost

workinglow confidence

Cost per successful PayTo payment.

Wallet payment cost

workinglow confidence

Cost per successful wallet payment.

Settlement cost

Settlement cost applied per successful payment.

Email cost

Cost per email notification.

SMS cost

Cost per SMS notification.

Chargeback allowance per payment

Average chargeback / dispute allowance per successful payment.

Merchant profile

Representative merchant volume and failure economics.

Recurring customers

Active recurring customers on the merchant bill book.

Payments per customer per month

Average payment frequency per customer.

Average bill value

Average successful payment amount.

First-attempt failure rate

workingmedium confidence

Share of payments that fail on the first attempt.

Recovery rate without Sparelane

workinglow confidence

Share of failed payments recovered by the merchant today.

Operational cost per failed payment

workingmedium confidence

Manual handling cost applied to initial failed payments.

Bad-debt rate

workingmedium confidence

Share of unresolved failed payment value written off.

Sparelane performance

Recovery and operational improvement assumptions.

Recovery rate with Sparelane

workingmedium confidence

Share of initial failed payments recovered with Sparelane.

Backup-card recovery share

Share of Sparelane recoveries via backup card.

PayTo recovery share

Share of Sparelane recoveries via PayTo.

Wallet recovery share

Share of Sparelane recoveries via wallet.

Recovery mix total: 100%

Valid total

Manual handling reduction

Share of failed payments no longer handled manually.

Incremental recovery recognition rate

Share of incremental recovered value included in quantified merchant benefit. Default is 0%.

Payment method mix

Mix of successful payments by payment method.

Card share

workingmedium confidence

Share of successful payments processed on card.

PayTo share

Share of successful payments processed via PayTo.

Wallet share

Share of successful payments processed via wallet.

Payment mix total: 100%

Valid total

Notification assumptions

Messaging intensity per successful payment.

Email notifications per successful payment

1 email per successful payment is a typical baseline.

SMS notifications per successful payment

0.15 SMS means 15 SMS messages per 100 successful payments.

Forecast assumptions

Five-year merchant growth and operating cost trajectory.

Merchants by year

Active merchants at the end of each forecast year.

Year 1

Year 2

Year 3

Year 4

Year 5

Average payments per merchant

Annual payments processed per active merchant.

Annual staff costs

Staff operating costs by year.

Year 1

Year 2

Year 3

Year 4

Year 5

Annual sales and marketing costs

Sales and marketing spend by year.

Year 1

Year 2

Year 3

Year 4

Year 5

Annual legal and compliance costs

Legal and compliance spend by year.

Year 1

Year 2

Year 3

Year 4

Year 5

Annual other operating costs

Other operating expenses by year.

Year 1

Year 2

Year 3

Year 4

Year 5

Research and confidence

Source and confidence metadata for key working assumptions.

Assumption	Source	Confidence	Status	Notes
merchant.firstAttemptFailureRate	Industry benchmark working assumption	medium	working	Validate against merchant cohort data where available.
merchant.recoveryRateWithoutSparelane	Founder estimate	low	working	Baseline merchant retry and dunning effectiveness.
merchant.operationalCostPerFailedPayment	Operational cost working assumption	medium	working	—
merchant.badDebtRate	Working credit-loss estimate	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.preAuthorisationCost	Working payment-cost estimate	low	working	—
paymentCosts.payToCost	Working PayTo cost estimate	low	working	—
paymentCosts.walletPaymentCost	Working wallet cost estimate	low	working	—
paymentCosts.settlementCost	Working settlement-cost estimate	low	working	—
paymentCosts.smsCost	Working notification-cost estimate	medium	working	—
paymentCosts.emailCost	Working notification-cost estimate	medium	working	—
performance.recoveryRateWithSparelane	Product thesis	medium	working	—
forecast.merchantsByYear	Founder growth plan	low	working	Scenario-sensitive; review against go-to-market plan.
forecast.valuationArrMultiples	Illustrative SaaS ARR multiples	low	working	Illustrative only — not a formal valuation.
pricing.monthlyPlatformFee	Commercial packaging draft	medium	working	—
paymentMethodMix.cardShare	Expected successful-payment mix	medium	working	—