Businesses need to calculate the true cost of digital payment processing beyond just transactional fees, including factors like payment success rate, failed transactions, and chargebacks.

Existing payment gateways are often compared only by MDR (Merchant Discount Rate) without considering total cost of ownership including success rates, failed transactions, and chargebacks.

Severity

3Medium

Willingness to Pay

implied

Added

Jun 3, 2026

Implied Software Gaps

A tool that calculates total cost of ownership for payment gateways including success rates and chargebacks

App Concept

TotalPay Analyzer

A decision-support tool that helps business owners and finance teams calculate the total cost of payment processing across different gateways. It accounts for fees, success rates, chargebacks, and failure costs to surface the truly cheapest option.

Key Features

Compare multiple payment gateways on total cost in a single dashboard
Input or import transaction data to model costs dynamically
Visualize cost breakdown: fees, failed transaction losses, chargeback costs
Scenario planning with adjustable success rates and fee structures

Target Users: Small to medium business owners and finance managers across any industry that processes online payments

Revenue Model: $49/month SaaS subscription for small businesses, $99/month for mid-market with advanced analytics

Want to go deeper?

Sign up to save ideas, run AI analysis, and track opportunities in your personal workspace. Founding members get full access.

Join Beta

Solutions (0)

Discussion (0)

No comments yet