"Your card-sales share changes the profit impact of fees"
"Source","https://bluefinchadvisors.com/blog/card-sales-share-changes-fees-profit-impact"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Revenue in each scenario","100000","currency"
"Reported profit in each scenario","10000","currency"
"Scenario A settled card sales","90000","currency"
"Scenario B settled card sales","35000","currency"
"Effective card rate for both scenarios","3.5","percent"

"Results","Value","Unit"
"Scenario A processing expense","3150","currency"
"Scenario B processing expense","1225","currency"
"A minus B expense difference","1925","currency"

"Calculation detail","Value","Unit"
"A card-sales share","90","percent"
"B card-sales share","35","percent"
"A fee compared with profit","31.5","percent"
"B fee compared with profit","12.25","percent"

"Assumptions"
"Starting figures are fictional planning examples, not a quote, verified outcome or small-business margin benchmark."
"Use matched periods and definitions. Align card sales with revenue before using a card-share comparison; deposits and unrelated collections are not revenue."
"Reported profit already includes the existing processing expense. The scenario adds the supported expense difference once; it does not subtract the existing fee again."
"A and B are scenario comparisons, not an attribution of an actual fee decline to a new provider. No sales change or customer behavior is predicted."

"Result notes"
"Negative differences remain visible. A negative profit denominator gives a signed mathematical ratio, not a share of positive profit. Zero denominators are unavailable."

"Sources"
"IRS: business recordkeeping","https://www.irs.gov/businesses/small-businesses-self-employed/recordkeeping"
"BlueFinch: Savings Audit methodology","https://bluefinchadvisors.com/tools/small-business-savings-audit"