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Acquiring Margin Calculator

Calculate processing fee revenue, channel cost, FX margin, total gross margin, and export merchant quote assumptions.

Merchant Inputs

Merchant nameDateCountrySettlement ccyMCCNotes

Volume

Avg ticket

Txn/day

Billing days

Monthly GMV: 30,000,000 HKD

Monthly txns: 30,000

Avg ticket: 1,000 HKD

Payment Structure, Quote & Cost

Payment mix share must total 100%. GMV and transaction count are split by this share.

Advanced

Enabled	Method	Type	User region	GMV share %	Txn share %	Variable %	Fixed	Fixed ccy	Cost variable %	Cost fixed	Cost notes	Actions

Cost & FX

Order ccyFX eligible GMV %FX markup %Channel FX cost %Internal FX cost %

Manual exchange rates to settlement currency

1 USD = ? HKD1 CNY = ? HKD1 EUR = ? HKD1 GBP = ? HKD1 JPY = ? HKD1 KRW = ? HKD1 SGD = ? HKD

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%

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.

How to use this tool

Estimate acquiring gross margin from processing fees, channel costs, and foreign-exchange assumptions for internal planning.

Suggested workflow

Enter your own transaction assumptions.
Review fee, cost, and margin components.
Export or copy the estimate for further analysis.

Good to know

This calculator is an operational estimate, not financial, tax, legal, or investment advice.

Use only with authorized business data and verify calculations against contractual terms.

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