Planning tool
Payment Partner True Cost Calculator
Calculate the full annual cost of your current payment infrastructure, including the costs that never show up on an invoice: engineering maintenance, banking disruption risk, reconciliation overhead, compliance exposure, and support failures. Then compare it to an optimised-infrastructure benchmark to see your annual savings opportunity.
Planning tool · About 10 minutes · Live cost model · No login required
Enter your numbers in each section. Every field updates the calculation live. Defaults are filled where a standard assumption applies; change them to match your setup.
Your baseline inputs
These feed every calculation below.
Use 150 if unsure.
Use 80 if unsure.
Transaction & FX fees
enter a value
Applied to about 60% of annual volume.
enter a value
Engineering maintenance
enter a value
enter a value
enter a value
Banking disruption risk
Banks change risk appetite roughly every 3 to 5 years per vertical. The expected annual cost is the probability of a disruption times the cost of that disruption.
Use 3 if unsure.
Industry average is about 20% per year per single-bank corridor.
Reconciliation overhead
enter a value
enter a value
enter a value
Compliance exposure
Two costs: the ops hours your team spends enforcing rules that should be embedded, plus the expected cost of a compliance event if a gap is found.
enter a value
Use 15 if unsure.
Use 200,000 if unsure.
Support failure cost
Use 2,000 if unsure.
Use 10,000 if unsure.
Your true cost vs optimised infrastructure
| Cost area | Your cost | Optimised | Gap |
|---|---|---|---|
| Transaction & FX fees | · | $0 | $0 |
| Engineering maintenance | · | $9,000 | $-9,000 |
| Banking disruption risk | · | $0 | $0 |
| Reconciliation overhead | · | $8,320 | $-8,320 |
| Compliance exposure | $30,000 | $8,080 | $21,920 |
| Support failure cost | · | $0 | $0 |
| Total annual infrastructure cost | $30,000 | $25,400 | $4,600 |
Annual savings opportunity
$4,600
The optimised column reflects what well-architected infrastructure typically costs at your inputs, not a specific provider quote. The savings opportunity is the structural gap between your current setup and optimised infrastructure, not an upsell number.
Planning tool only. Routefusion provides this tool for general informational and planning purposes only. It is not legal, regulatory, compliance, tax, or financial advice, and using it creates no advisory or fiduciary relationship.
Its outputs are directional and based solely on the information you entered. They are not a guarantee of eligibility, pricing, timelines, approval, or of any particular provider or banking partner outcome.
Document, payment, banking-partner, and regulatory requirements vary by jurisdiction and change over time. Any requirement, threshold, or timeframe referenced here is general guidance, not a statement of what any specific provider, bank, or regulator will require of you.
You remain responsible for your own compliance obligations. Consult your own qualified legal and compliance advisors before acting on any output of this tool.
Routefusion makes no warranties and accepts no liability for decisions made using this tool.
Download your true-cost model
- Your full annual cost, broken down across all six sections
- The optimised-infrastructure benchmark and your savings opportunity
- Every input, ready to adjust and re-run in Excel
- A clean CSV alongside the formatted workbook
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Talk to a Routefusion expert
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