Free ROI analysis · 30-second estimate
See 5-year savings from
collapsing your payment stack.
Most multi-brand operators lose six figures a year to reconciliation hours, processor freeze exposure, and duplicated processor overhead. Move the sliders. We'll show you the real five-year delta versus moving to multiflow — and email you a branded PDF report with your numbers.
Your current stack
Estimates are fine. The math updates as you move the sliders.
Current monthly volume
$250kNumber of active brands
4Reconciliation hours / week
8 hrsFully-loaded hourly cost (finance team)
$85/hrNumber of active processors
3Your 5-year delta
Live calc vs multiflow consolidated: per-txn rate + setup fee.
Current hidden cost / yr
$0
multiflow fee / yr (at 7.0%)
$0
Net annual savings
$0
5-year cumulative savings
$0
Breakeven month on setup fee
— months
Savings curve · 60 months
—Email me the full PDF report
Branded PDF with your numbers, a per-year cashflow table, the exact per-transaction rate you'd lock at your volume tier, and a 60-day migration timeline. No sales sequence — one email, one link.
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Ready to move
Start your 2-minute application →
12 questions. 24-hour underwriting. First sub-brand live inside 48 hours of approval.
$5M+ / month
Enterprise pricing call →
Dedicated underwriter, custom reserve structure, aggressive volume tier — skip the web form.
Want the full rate card
See the pricing page →
Per-transaction tiers, setup fee detail, what's included in every plan.
FAQ
Where does the "hidden cost" figure come from?
Three stacked inputs: (1) your reconciliation hours × fully-loaded hourly cost × 52 weeks — the real bookkeeping overhead of running multiple processor dashboards; (2) a 1.8% freeze-risk estimate against annual volume — operator industry data on rolling reserves, sudden account terminations, and frozen funds across multi-account setups; (3) a 0.5% generic multi-processor overhead (duplicated subscriptions, PCI SAQs, domain verifications, dispute tooling). Numbers you can verify against your own ledger.
Why assume a 1.8% freeze-risk rate?
That's the trailing-12-month rate across operators we've onboarded who were previously running 3+ PSP accounts. It includes both full terminations and 90-day rolling reserves. Single-processor single-brand operators see closer to 0.3%. If you've already had one freeze event you can mentally double the 1.8% — we kept it conservative for the calculator.
How is the multiflow fee calculated?
Volume-tiered per-transaction: 7.5% under $100k/mo, 7.0% at $100k–$500k, 6.5% at $500k–$2M, 6.0% at $2M–$5M, 5.5% at $5M+/mo. Plus a one-time setup fee. Interchange passes through to your acquirer — we don't mark it up. The calculator shows the all-in annual number.
What about brands/operators under $100k/month?
Honestly — if you're running a single brand under $100k/mo, you probably shouldn't move yet. Stripe at 2.9% + $0.30 is cheaper than our fee at that scale, because the reconciliation overhead doesn't yet exceed the processing delta. We flag this in the PDF report. multiflow becomes math-positive when you cross 2+ brands and 4+ hours/week of reconciliation.
Is the setup fee refundable?
Pro-rated refund if you cancel in the first 30 days of go-live and the cause is something on our end — technical fit, underwriting surprise, a sub-brand we can't support. If you cancel because your business strategy changed, the setup stands.
Can I get the raw spreadsheet behind this calculator?
Yes — the PDF we email includes a downloadable Google Sheets copy with every formula exposed. Tweak the assumptions, run sensitivity analysis, share it with your CFO. We don't hide the math.