Tools
Acquiring Margin Calculator
Calculate processing fee revenue, channel cost, FX margin, total gross margin, and export merchant quote assumptions.
01
Merchant Inputs
02
Volume
Monthly GMV: 30,000,000 HKD
Monthly txns: 30,000
Avg ticket: 1,000 HKD
03
Payment Structure, Quote & Cost
Payment mix share must total 100%. GMV and transaction count are split by this share.
| Enabled | Method | Type | User region | GMV share % | Txn share % | Variable % | Fixed | Fixed ccy | Cost variable % | Cost fixed | Cost notes | Actions |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
04
Cost & FX
Manual exchange rates to settlement currency
05
Margin Results
Visa Domestic uses non-settlement fixed fee currency.
Visa Cross-border uses non-settlement fixed fee currency.
Mastercard Domestic uses non-settlement fixed fee currency.
Mastercard Cross-border uses non-settlement fixed fee currency.
Klarna BNPL uses non-settlement fixed fee currency.
NaverPay Wallet uses non-settlement fixed fee currency.
AlipayHK Wallet uses non-settlement fixed fee currency.
Monthly GMV
30,000,000 HKD
Total revenue
1,299,636 HKD
Total cost
809,436 HKD
Total gross margin
490,200 HKD
Margin rate
1.6340%
Processing margin
346,200 HKD
FX margin
144,000 HKD
Monthly txns
30,000
| Method | Type | User region | GMV | Monthly txns | Revenue | Cost | Margin | Margin rate |
|---|---|---|---|---|---|---|---|---|
| Visa | Domestic | HK | 7,500,000 HKD | 7,500 | 265,050 HKD | 175,770 HKD | 89,280 HKD | 1.1904% |
| Visa | Cross-border | Global | 6,000,000 HKD | 6,000 | 248,040 HKD | 164,616 HKD | 83,424 HKD | 1.3904% |
| Mastercard | Domestic | HK | 6,000,000 HKD | 6,000 | 212,040 HKD | 143,616 HKD | 68,424 HKD | 1.1404% |
| Mastercard | Cross-border | Global | 4,500,000 HKD | 4,500 | 186,030 HKD | 125,712 HKD | 60,318 HKD | 1.3404% |
| Klarna | BNPL | DE | 2,400,000 HKD | 2,400 | 72,576 HKD | 55,872 HKD | 16,704 HKD | 0.6960% |
| NaverPay | Wallet | KR | 2,100,000 HKD | 2,100 | 71,400 HKD | 54,600 HKD | 16,800 HKD | 0.8000% |
| AlipayHK | Wallet | CN | 1,500,000 HKD | 1,500 | 28,500 HKD | 17,250 HKD | 11,250 HKD | 0.7500% |
06
Formula Notes
Monthly GMV = average ticket × daily transactions × billing days, or directly from monthly input mode.
Quote revenue = GMV × quote variable % + transaction count × quote fixed fee.
Processing cost = GMV × cost variable % + transaction count × cost fixed fee.
Total gross margin = processing margin + FX margin; margin rate = total gross margin / monthly GMV.
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