Deal Calculator
Compute Veloris MRR / ARR from operator + acquirer economics. Compare scenarios, save back to a deal.
Linked deal
Prefill from an existing deal, then save snapshot back to it
Inputs
Volume
Monthly (×30)
$4,500,000
Annual (×365)
$54,750,000
Pricing & costs (% of volume)
What we charge operator
Wholesale rate
Gross spread
1.30%
Veloris share (% of gross spread)
Veloris cut (per $ vol)
0.32%
Operator effective rate
4.80%
Scenario multipliers
Scenario comparison
Conservative · Base · Aggressive
| Metric | Conservative | Base | Aggressive |
|---|---|---|---|
| Monthly volume | $2,700,000 | $4,500,000 | $6,750,000 |
| Gross spread | 0.97% | 1.30% | 1.56% |
| Spread $ / month | $26,325 | $58,500 | $105,300 |
| Veloris MRR | $6,581 | $14,625 | $26,325 |
| Veloris ARR | $78,975 | $175,500 | $315,900 |
| Operator monthly cost | $120,825 | $216,000 | $341,550 |
| Operator effective rate | 4.47% | 4.80% | 5.06% |
Base scenario breakdown
The numbers Veloris sees on this deal
Monthly volume
$4,500,000
Annual volume
$54.8M
$54,750,000
Gross spread
1.30%
Spread $ / month
$58,500
Veloris MRR
$14,625
Veloris ARR
$175,500
Settlement $ / month
$13,500
Operator monthly cost
$216,000
4.80% all-in
Per-$100 Waterfall
For every $100 of processed volume — operator pays, fees come out, spread splits
Operator pays (all-in)
Total operator outflow per $100 of processed volume: pricing + settlement.
$4.80
4.80%
Acquirer wholesale cost
Covers interchange + scheme fees + acquirer base margin. Not negotiable below floor.
$3.20
3.20%
Settlement fee
Fee for settling funds. Separate from the spread.
$0.30
0.30%
Gross spread (markup)
Operator pricing minus acquirer cost. Split between Veloris and partners.
$1.30
1.30%
Veloris share
25.0% of gross spread.
$0.32
0.32%
Partner / remaining margin
Spread minus Veloris share. Acquirer's retained margin or a downstream partner's share.
$0.97
0.97%
Bars scaled to operator all-in cost ($4.80 per $100). Veloris cut per $ of volume: $0.32.
Operator-Side Economics
Full operator cost stack: payment + refunds + chargebacks + fraud + ops + CAC + bonus
Healthy
Operator-side cost inputs
0 = no acquisition cost
0 = no bonus
Payment cost
$4.80
Refunds
$1.50
Chargebacks
$0.30
Fraud / risk
$0.20
Operational
$1.00
CAC
$1.00
Bonus / promo
$0.00
Total operator burden
$8.80
Burden = 8.80% of volume · Operator keeps $91.20 per $100
Monthly burden
$396,000
of $4,500,000 processed
Monthly net to operator
$4,104,000
After all listed costs
3-Year Projection
Grows the chosen scenario's Veloris ARR forward 3 years
Year-over-year
Year-over-year
YoY multiplier: 1.188×
Year 1
$175,500
Year 2
$208,406
Year 3
$247,482
3-year total
$631,389
Avg monthly
$17,539
Reserve Impact
Cashflow burden of acquirer rolling-reserve programs (uses base scenario monthly volume)
0 = uncapped
Computed against base monthly volume of $4,500,000.
Monthly reserve withheld
$360,000
Total reserve at risk
$2,160,000
Cashflow reduction
$2,160,000
Burden % of monthly
48.00%
Deal Risk Flags
Auto-detected against the current inputs + projection + reserve + operator economics
clean
No flags detected — current inputs look balanced.
Match Score
Weighted across 9 dimensions
71Strong
Your gut sense, weighted into the score
Total
71.4/ 100
Strong
Revenue potential
weight 20 · Veloris MRR $14,625
7.0/10
Gross spread quality
weight 15 · Spread 1.30%
6.0/10
Reserve reasonability
weight 10 · Burden 48% of monthly
5.0/10
Settlement cost
weight 5 · Settlement 0.30%
8.0/10
3-year upside
weight 15 · 3-yr total $631,389
8.0/10
Pricing strength
weight 10 · Operator pricing 4.50%
7.0/10
Risk balance
weight 10 · 0 critical · 0 warning
10.0/10
Strategic value
weight 15 · Operator-rated 5/10
5.0/10
Operator sustainability
weight 10 · Burden 8.8% (green)
10.0/10