Wrap staged-collection fee budget
Record the percentage and fixed-charge inputs for comparable collection schedules.
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| Job reference | Collection schedule | Gross included amount | Completed transaction count | Verified percentage rate | Verified fixed transaction charge | Review owner role |
|---|---|---|---|---|---|---|
| Wrap-job-example-10 | Two completed payments, fictional | 6000 | 2 | 2.8%, illustrative | 0.20, illustrative |
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Count each collection when comparing a wrap deposit and balance schedule. A percentage fee and a fixed transaction charge respond differently to splitting the same total into several payments. Use the actual provider pricing, payment methods and expected completed collections. The fee comparison should support the approved commercial schedule, not encourage the shop to remove a needed deposit merely to save a small fixed charge.
Use with this guide
wrap deposit schedule builder
The wrap deposit schedule builder provides the commercial milestones surrounding the fee comparison.
film supplier prepayment cash planner
Review the film supplier prepayment cash planner before changing a deposit needed for a material commitment.
Browse the complete vehicle wrap guides and worksheets.
Define the same total for each schedule
We recommend that you compare the total cost for a specific accepted job amount by creating two different collection schedules (e.g. deposit, progress payments, and final balance) for the same job. The completed payments only should be counted in the calculation (i.e. do not include any unpaid requests for additional payment). Also, account for any refunds, failed attempts, etc. as specified by the actual processing cost for the actual method that was reviewed for that specific job.
Check whether the percentage rate and fixed charge remain the same across the proposed methods and channels. A counter card payment and an online collection might have different pricing. A mobile wallet does not automatically establish the underlying card classification or a free transaction. Retrieve the merchant’s actual terms rather than labeling all electronic alternatives as costless. The wrap deposit schedule builder provides the commercial milestones surrounding the fee comparison.
Separate percentage charges from per-payment charges
For the purpose of this simplified comparison, percentage cost = (Gross included amount in calculation) x (Verified percentage rate). Fixed cost = (Verified fixed charge per transaction) x (Verified number of completed transactions included in method). Exclude other fees (e.g. monthly fees, refund fees, failed transaction fees etc) from this calculation unless they are included within the method being compared.
The fee-budget sheet records the job reference, collection schedule, gross included amount, completed transaction count, verified percentage rate, verified fixed charge and review owner. Use aggregate figures and internal references. The worksheet is a comparison record, not a processor statement or a binding quote. A shop using a 0% merchant credit-card program still needs to review remaining debit, monthly and other applicable charges.
Work through a fictional staged-payment comparison
Consider an illustrative $6,000 gross collection at 2.8% plus $0.20 per completed payment. Two payments produce $168 percentage cost and $0.40 fixed cost, totaling $168.40. Four payments at the same rate produce $168 plus $0.80, totaling $168.80. The difference is $0.40 under those assumptions. These are fictional prices, not BlueFinch terms or market averages.
The example shows why changing the count affects the fixed component while the entered percentage component stays constant. It does not account for different methods, rates, refunds or account fees. If one schedule changes the actual payment mix, recalculate from the applicable charges instead of applying the same assumed rate. Preserve the schedule and pricing references so the comparison is reproducible.
Keep the collection schedule tied to the job risk
Be sure to consider material commitments, design approval and customer payment in relation to the review of the processing cost of the jobs. A deposit on a print job may provide sufficient cash to a shop to complete the job. Removing a deposit from a schedule to reduce processing cost can increase exposure to negative cash flow.
After the job, compare the planned and observed collections with the statement. Record why the count or method changed and which costs were outside the original budget. Processing expense is not the job’s entire cost or profit. Review labor, film, printing and other obligations separately. The owner should see both the transparent fee arithmetic and the collection milestones needed to deliver the accepted work. Review the film supplier prepayment cash planner before changing a deposit needed for a material commitment.
Primary sources
BlueFinch last reviewed these sources on October 4, 2026. Payment rules and state requirements can change.
Use this page for general business information. It is not legal, tax, or accounting advice.