Cost/Revenue Simulator

VISA Commercial Cards

How to Use This Simulator

✏️

Fields YOU Can Edit

GREEN highlighted rows - These are charges/fees you control:

  • Your Interchange Share %
  • Per Transaction charges to your users
  • FX markup to cardholders
  • Load fee to cardholders

💡 Adjust these to see your profitability

🔒

Fixed Costs (Can Edit if Negotiated)

RED highlighted rows - Issuer charges (usually fixed):

  • Card Network/Scheme fees
  • Per Transaction issuer charges
  • FX charges by issuer
  • Load fees by issuer

⚠️ Edit only if you have negotiated rates

🧮

Calculated Results

YELLOW highlighted rows - Auto-calculated:

  • Gross Interchange earned
  • Revenue before FX
  • Net profit after all costs
  • % margin on transaction

📊 These update automatically

Domestic
(issued from SG and used in SG)
International
transaction where FX is applied i.e. anywhere outside of SG
Enter Transaction size ASSUMPTION
$
$
Gross Interchange (may be lower in some cases) YOUR SHARE
%
0.46%
0.63%
Total Positive Gross-Interchange Earned
$0.46
$0.63
Card Network / Scheme / Processing Fees- approx (charges by VISA may vary) ISSUER COST
$
$
Add: Per Transaction Charged to User by the Client (Domestic) YOUR CHARGE
$
$-
Add: Per Transaction Charged to User by the Client (International) YOUR CHARGE
$-
$
Less: Per Transaction Charged to Client by Issuer (Domestic) ISSUER COST
$
$-
Less: Per Transaction Charged to Client by Issuer (International) ISSUER COST
$-
$
Revenue before FX (Client)
$0.163
$(1.075)
FX Charged to Cardholder by Client YOUR CHARGE
%
$-
$4.00
FX Charges by Issuer ISSUER COST
%
$-
$2.50
Load Fee Charged to Cardholder by Client YOUR CHARGE
%
$1.00
$1.00
Load Fees Charged by Issuer ISSUER COST
%
$0.50
$0.50
Net (Client) after Scheme Rebate
$0.663
$0.925
% to Transaction Size
0.66%
0.93%