Sparelane Commercial Model

Research Register

Track the source, confidence and review status of modelling assumptions. This register will expand as commercial research is validated.

Working assumptions
Assumption register
Placeholder research table for Phase 1. Editing and richer source metadata arrive later.
AssumptionCurrent valueSourceConfidenceLast reviewedNotes
First-attempt failure rate7%Working assumption — industry benchmarksmedium2026-08-01To be validated against merchant cohort data in Phase 2.
Recovery rate without Sparelane60%Working assumption — founder estimatelow2026-08-01Baseline merchant retry and dunning effectiveness.
Recovery rate with Sparelane85%Working assumption — product thesismedium2026-08-01Depends on backup card, PayTo and wallet recovery mix.
Card percentage cost1.00%Working assumption — not a verified quotelow2026-08-01Replace with negotiated processor pricing when available.
Monthly platform feeA$2,000Commercial packaging draftmedium2026-08-01Subject to pricing scenario comparison work.