AllProPay Deal Calculator

Deal Parameters

Monthly Volume (avg tickets/mo) Average Ticket Size ($) Effective Rate Charged (%)

2.40%

Processor Buy Rate (%)

1.70%

Upfront Activation Bonus ($/deal) Clawback Risk (%)

15%

Labour Costs (Monthly)

Closer Cost / Deal ($) Opener Cost / Deal ($) Overhead / Deal ($ - admin, tech, etc)

Monthly Deal Summary

Revenue

Gross Processing Volume-

Residual Income (sell - buy)-

Activation Bonus (gross)-

Clawback Reserve (-)-

Net Revenue-

Costs

Closer Compensation-

Opener Compensation-

Overhead-

Total Labour-

Margin

Gross Profit-

Labour Ratio-

Net Profit-

Profit/Deal

Residual/Deal

Labour %

Breakeven Deals/mo

Volume Sensitivity - Monthly Net Profit

* Based on current deal parameters above. Closer/opener costs scale with deal count.

Processor Economics - Per Deal

Edit the fields below. Defaults based on known AllProPay processor structures.

North

Upfront Bonus ($/deal) Buy Rate (%) AllProPay Sell Rate (%) Avg Time to Board (days) Clawback Rate (%) Avg Volume/Merchant ($/mo)

PayARC

Upfront Bonus ($/deal) Buy Rate (%) AllProPay Sell Rate (%) Avg Time to Board (days) Clawback Rate (%) Avg Volume/Merchant ($/mo)

Month 1 Economics

Metric	North	PayARC	Winner
Upfront Bonus	-	-	-
Monthly Residual	-	-	-
Month 1 Total	-	-	-
Net Clawback Risk	-	-	-
Days to Board	-	-	-

12-Month View (per merchant)

Month	North Cumulative	PayARC Cumulative

Breakeven Analysis

At these parameters, PayARC breaks even vs North at month X due to higher upfront bonus but similar/lower residual spread.

Closer Inputs

Transfers Sent to Closers (per month) Tammy's Close Rate (%)

13.0%

Matt's Close Rate (%)

10.0%

Transfer Split — Tammy (%)

55%

Revenue Per Closed Deal ($) Tammy Base Cost ($/month) Matt Base Cost ($/month) Bonus Per Deal ($/deal)

Closer Output

Tammy

Sr. Closer — Consistent

Transfers-

Deals Closed-

Revenue Gen.-

Total Cost-

Cost/Deal-

ROI-

Matt

Sr. Closer — Variable

Transfers-

Deals Closed-

Revenue Gen.-

Total Cost-

Cost/Deal-

ROI-

Combined Output

Total Deals / Month-

Total Revenue Generated-

Total Closer Cost-

Labour % of Revenue-

Net from Closers-

Historical Performance Context

Closer	2025 Deals	Best Month	Avg/Mo (2025)	2026 YTD Avg	2025 Total Pay	Cost/Deal (avg)	Status
Tammy	18	8 (Feb '26)	~3.8/mo	~5/mo	$27,576	$834	Consistent
Matt	28	13 (Nov '25)	~3.5/mo	~2.5/mo	$27,736	$991	Variable
Chris (self)	14	-	-	-	N/A	$0	Owner

* Matt's Nov 2025 peak ($433/deal) vs slow months ($1,100+/deal) — high variance. Structured commission model would smooth this.

Residual Model Inputs

Deals Per Month (new merchants boarding) Avg Monthly Volume Per Merchant ($) Residual Margin (sell - buy rate, %)

0.65%

Monthly Churn Rate (%)

3.0%

Projection Months

24mo

Starting Merchant Book (existing) Avg Volume Growth Per Merchant (%/yr)

Month 12 Residual

Month 24 Residual

Merchants M12

Merchants M24

Current State (Today)

Existing merchants-

Current monthly residual est.-

Churn per month (est.)-

Net merchant growth/mo-

Residual Accumulation Curve

Month-by-Month Projection

Month	New Deals	Active Merchants	Monthly Volume	Residual Income	Cumulative Residual	YTD Residual

Base Assumptions

Revenue Per Closed Deal ($) Total Labour Cost Per Deal ($)

Monthly Residual (current book, $) Monthly Fixed Overhead ($)

New Merchant Residual ($/deal/mo) Monthly Churn Loss ($)

Third Closer Impact

Third Closer Base Cost ($/month) Third Closer Projected Deals/Month