Payment cost calculator
Every failed payment attempt has a price. Most teams never add it up.
Model what ACH and debit collections actually cost your book across volume, rail mix, and success rates. Whether you collect on consumer loans, cash advance, or SMB charge cards, you get your blended cost per successful collection in under a minute.
Your true cost per attempt
Failed and successful, ACH and debit, added up across a full month of collections.
Where the cost concentrates
See how rail mix and success rates move the total, and what a few points of ACH returns really cost.
One number to benchmark
Your blended cost per successful collection, ready to take into a conversation about lowering it.
See your numbers
Tell us where to send you, and we'll open the calculator.
Takes about a minute. We'll take you straight to the calculator.
By continuing you agree Pave may contact you about the ACH Risk Score. We don't share your information.
Built by Pave
Pave is the AI infrastructure for institutional lending. The same enriched cashflow data behind this calculator powers the Pave Cashflow Scores, including the ACH Risk Score that scores every debit for return risk before it's sent.
SOC 2
NACHA Member
Built for ACH