Revenue EliteAt capacity

Payments Leak Calculator

The cheapest profit you'll find this year is in your payments

Declined checkouts, failed renewals, chargebacks, and fees. Nobody at your brand owns all four, so nobody adds them up. Put in your numbers and see what they cost you.

It's prefilled with conservative assumptions for a $50M brand. Replace them with yours; your processor dashboard and last statement have most of them. Nothing you type leaves your browser unless you choose to send it to us.

Your brand
Declined checkouts

One-time orders that get declined at checkout. Some of those are good customers with good cards.

Failed renewals

Subscription charges that fail and never get recovered. These customers didn't mean to cancel.

Chargebacks

Disputed orders. You lose the sale, the product, and a fee on top.

Processing fees

What you pay on every dollar, all in. Check your last statement: total fees divided by volume.

Why nobody fixes this

Payments sits between finance, ops, and growth, and none of them own it. Finance sees the fees. Ops sees the chargebacks. Growth sees conversion rate and has no idea how much of the drop happened after the customer clicked pay.

Your processor won't bring it up either. A higher rate is their margin, and a declined order costs them nothing. So the setup you picked when you were doing a tenth of your current volume is probably still the setup you have.

The fixes aren't glamorous, and that's why they're cheap. Most of them are rules and retries, and none of them ask a customer to do anything differently.

What the fix usually looks like

  • Declined checkouts

    Retry rules that know which declines are worth retrying, network tokens instead of raw card numbers, and fraud rules tuned to your actual losses instead of a vendor default. Most brands never look at why their declines happen, so they never find the ones that were the processor's fault.

  • Failed renewals

    Retries timed to when the card is likely to work, card updater services so expired cards renew themselves, and outreach that reaches the customer before the subscription lapses. It's the closest thing to free revenue in a subscription business.

  • Chargebacks

    Alerts from the card networks that let you refund before a dispute turns into a chargeback, clear billing descriptors, and evidence packets assembled automatically for the ones worth fighting.

  • Processing fees

    Most brands are still on the blended rate they signed up with at a tenth of their current volume. At your size you can usually get interchange plus pricing, route transactions to a cheaper processor, or both.

The calculator is deliberately conservative. It counts a recovered renewal once, even though a subscriber who stays usually keeps ordering for months after.

Want a second opinion?

Your numbers have stories behind them that a calculator can't see. Send them over and Ace will read them. We're at capacity and not taking on clients, so nobody will try to sell you anything.

Sends your numbers and the result above. Nothing else.