Know the real cost of payment processing
PayCost Pro helps merchants, PSP teams, and payment professionals calculate true processing costs, compare PSP offers, and identify hidden fees beyond MDR.
Built for merchants, PSP teams, consultants, iGaming operators, and fintech commercial teams.
Total Monthly Cost
€42,850
Effective MDR
8.57%
Net After Fees
€457,150
Risk Flag
FX cost is materially impacting margin
Offer A
8.4%
Effective MDR
Offer B
9.1%
Effective MDR
MDR is only part of the story
Payment pricing can look simple on paper, but the real cost often comes from transaction fees, FX, settlement costs, rolling reserve, chargebacks, refunds, payouts, top-ups, minimum monthly fees, authorization fees, and 3DS/non-3DS pricing. PayCost Pro helps you model those layers before making commercial decisions.
Hidden fee impact
Small transaction, FX, and settlement fees can materially change the real cost.
Liquidity locked in rolling reserve
Reserve terms can reduce short-term cash flow even when they are not direct fees.
PSP offers that are hard to compare
A lower MDR does not always mean a cheaper offer.
High-risk pricing complexity
iGaming, forex, and other high-risk verticals often need deeper fee modeling.
Turn PSP pricing into clear numbers
PayCost Pro converts complex PSP pricing terms into structured calculations, plain-language interpretation, and comparison-ready outputs.
End-to-end cost calculator
Model all fee layers including MDR, transaction fees, FX, settlement, reserve, and more.
PSP offer comparison
Compare multiple PSP pricing structures side by side to find the best fit.
Risk flags and interpretation
Get plain-language insights on cost drivers and potential risks.
Report preview for internal review
Generate clean summaries for stakeholder conversations and decision-making.
Built around real payment cost drivers
MDR and transaction fees
Model percentage-based and fixed transaction costs
3DS and non-3DS transaction pricing
Separate fee structures for authenticated transactions
Authorization fees
Per-transaction authorization costs
FX fees
Currency conversion impact on processing costs
Settlement fees
Percentage or fixed amount settlement costs
Monthly fixed fees
Recurring platform and service charges
Minimum monthly fees
Minimum commitment thresholds
Rolling reserve impact
Reserve percentage and duration modeling
Refund and chargeback rate modeling
Cost impact of disputes and reversals
Payout and top-up fees
Fund movement costs
Saved scenarios with notes
Store and annotate different pricing models
PSP comparison view
Side-by-side offer analysis
PDF report preview
Generate shareable cost summaries
Currency selection is used for calculation and report display. PayCost Pro does not apply live FX conversion unless rates are manually entered by the user.
How PayCost Pro works
Enter processing assumptions
Add monthly volume, transaction count, approval rate, MDR, transaction fees, FX, reserve, settlement, refund, chargeback, payout, and top-up costs.
Review the real cost
See total monthly cost, effective MDR, net after fees, reserve impact, and plain-language interpretation.
Compare PSP offers
Model competing PSP offers side by side and understand which one is cheaper, riskier, or more liquidity-intensive.
Save and report
Save scenarios, add notes, and preview clean reports for internal review.
Who PayCost Pro is for
Merchants
Understand the real cost of accepting payments before signing with a provider.
PSP sales teams
Model pricing scenarios and explain commercial offers more clearly.
Payment consultants
Prepare structured comparisons and reports for clients.
iGaming operators
Evaluate PSP offers with visibility over reserves, settlement, FX, payouts, and high-risk fees.
Fintech commercial teams
Support pricing and margin decisions with clearer cost analysis.
Compare PSP offers beyond MDR
A lower MDR does not always mean a cheaper offer. PayCost Pro helps compare the full pricing structure, including transaction fees, FX, settlement fees, reserves, chargebacks, refunds, payout costs, top-ups, authorization fees, and minimum monthly fees.
Lower MDR does not always mean lower total cost.
Spot hidden risks faster
PayCost Pro highlights cost and liquidity signals that can be missed when teams only look at advertised MDR.
Prepare cleaner internal reviews
Use report previews to summarize assumptions, fee breakdowns, effective MDR, net after fees, risk flags, and interpretation for internal conversations.
PayCost Pro Analysis
Scenario
Q2 PSP Evaluation - High Volume
Input Assumptions
Fee Breakdown
Reserve & Liquidity
Effective MDR
8.57%
This report is for informational purposes only and does not constitute financial advice.
Simple pricing for beta users
- Basic calculations
- 3 saved scenarios
- 1 PSP comparison
- Report preview
- Unlimited scenarios
- Unlimited PSP comparisons
- PDF reports
- Advanced risk insights
- Commercial interpretation
- Everything in Pro Monthly
- Best value for consultants and PSP teams
Pricing may change after beta. Early users may receive preferred pricing.
Prefer email? Contact support@paycostpro.com
Frequently asked questions
Understand the real cost before choosing a PSP
Use PayCost Pro to model fees, compare offers, and make clearer commercial decisions.