Payment Loss Simulator

What is your payment setup
actually costing you?

No data upload. No account. Adjust your parameters and see your estimated annual losses in real time.

Simple
Detailed
Start with the essentials — switch to Detailed for a full IC++ breakdown
Your profile
Annual GMV€60M
€5M€100M€250M€500M
Domestic market
EU-regulated interchange · Carte Bancaire local scheme available
Volume split
Domestic
EEA
Rest of world
Total: 100%
Primary PSP
Stripe
Adyen
Checkout
Worldpay
Other
Business model
E-commerce
Subscription
Marketplace
Want a full IC++ cost breakdown? Add card mix, auth rates, vendor stack.
Detail
Card & payment mix
Card type split
Consumer debit
Consumer credit
Commercial
Total: 100%
Payment method split
Cards
APMs (PayPal, etc.)
Total: 100%
Avg. order value€65
€10€80€150€300
Authorization performance
Overall acceptance rate88%
70%80%92%98%
SCA exemption rate30%
% of transactions bypassing 3DS challenge via TRA/LVP exemptions
Vendor stack & setup
3rd party vendors
Payment orchestrator~0.05%
External vault / tokenization~0.03%
MPI / 3DS provider~€0.03/txn
Fraud provider (Riskified, Signifyd…)~0.6%
PSP contract
Recently negotiated
Never renegotiated
Network tokenization
Enabled
Not enabled
PSP structure
Single PSP
Multi-acquirer
Estimated annual impact
Total estimated annual cost impact
€0
per year · based on your profile
01
Processing fees
Interchange + scheme + acquirer markup
€0
02
Avoidable decline losses
Revenue lost to sub-optimal acceptance
€0
03
Fraud & chargeback exposure
Unmanaged fraud cost + dispute fees
€0
04
Routing & vendor overhead
Single-PSP penalty + 3rd party costs
€0
Fee componentYour est.Optimized
Interchange feesWeighted by card & region mix
0.00%
0.00%
Scheme feesVisa / Mastercard / local scheme
0.00%
0.00%
Acquirer markupPSP margin — negotiable
0.00%
0.00%
3rd party vendorsOrchestrator, vault, MPI, fraud
—
—
APM costsPayPal, Klarna, local methods
—
—
Blended processing cost
0.00%
0.00%
PayDesk analysis
Adjust your parameters to see your personalized insight.
Recoverable within 12 months
Conservative estimate · 60–75% of savings potential
€0
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Estimates are indicative, based on industry benchmarks for e-commerce companies of similar profile.
Actual figures vary by market, vertical and PSP setup. The free audit delivers precise, data-backed numbers.
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