Flatpay · Retention Payback Calculator

Customer Current Situation

Annual TPV £/year

Monthly TPV computed

Current or competitor rate % — for savings comparison

Surcharge TPV share % of TPV under surcharge

AMEX TPV share % of TPV via AMEX

Currently surcharging % — rate paid today on surcharged TPV

Currently separate AMEX rate % — what merchant pays today on AMEX

Retention Offer

Rate levers — the main bargaining variables

New base rate % — main lever

Effective blended rate what merchant actually pays

Surcharge rate % — applied to surcharged TPV

AMEX rate % — separate rate; uncheck for legacy

Hardware & upfront

Terminals (#)

Display options

Show customer savings vs current rate

Outputs

Payback

–

CAC (effective)

£–

Monthly profit

£–

Yearly margin

–

CAC & profit breakdown is password-protected

Read-only mode

Cost Parameters & Commission Table

LTV — Processing Rates cost basis & settlement

UK card cost (non-surch) %

Non-UK card transaction cost % cost basis for surcharged TPV

Surcharge buy-rate %

AMEX cost %

Settlement £/mo

Device Costs £/mo per device

Terminal running £/mo

Terminal amort £/mo

POS running £/mo

POS Pro amort £/mo

POS Premium amort £/mo

Onboarding Costs £/unit one-off

Terminal onboarding £

POS onboarding £

FS Costs (Pool 2) social-uplifted

SM OG, Volume + Surcharge bonus £ per deal

POS adjustment: SM OG £ POS only

Sales Leader £

Driving allowance £

Expenses £

MCC & Lead Gen Costs (Pool 3) marketing NOT social-uplifted

Booker £

Booker Leader £

Marketing + avg upfront comm £ not social-uplifted

POS Commission & Bonus

SM upfront commission % POS only · social baked in

Rates & Thresholds

Social costs %

Commission Table Deduction %

Terminal discount %

Payback threshold (mo)

Margin threshold (%)

Defaults from POS_payback - FS.xlsx · SM (May 2026) - POS. Changes here sync to all users once you're signed in.