Features
PayCost Pro helps you model payment processing costs with precision and compare PSP offers with confidence.
MDR modeling
Calculate effective merchant discount rates across card schemes, regions, and transaction types.
FX cost analysis
Model foreign exchange markups and currency conversion costs for cross-border transactions.
Settlement timing
Factor in settlement delays and their impact on cash flow and working capital.
Rolling reserve modeling
Calculate the cost of reserve requirements and their effect on available funds.
Chargeback impact
Model chargeback fees, dispute costs, and their impact on total processing expenses.
Payout and top-up fees
Include withdrawal fees, top-up costs, and other transactional charges in your analysis.
Total cost calculation
See your complete processing cost picture with all fees combined into clear totals.
PSP comparison
Compare multiple PSP offers side-by-side to identify the most cost-effective option.
Built for privacy and flexibility
- Local-first: calculations stay on your device
- No account required during beta
- Works offline after initial download
- Export scenarios for reference