"Machining invoices: compare ACH and card total costs"
"Source","https://bluefinchadvisors.com/blog/machining-invoices-ach-versus-card-total-cost"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Invoice collection","10000","currency"
"ACH percentage","1","number"
"ACH minimum fee","0","currency"
"ACH maximum fee","10","currency"
"ACH handling or other costs","0","currency"
"Card percentage","3","number"
"Card per-payment charge","0.2","currency"
"Card handling or other costs","0","currency"

"Results","Value","Unit"
"Modeled ACH cost","10","currency"
"Modeled card cost","300.2","currency"
"Card minus ACH cost","290.2","currency"

"Calculation detail","Value","Unit"
"ACH percentage charge before minimum and cap","100","currency"
"Written ACH minimum","0","currency"
"Written ACH cap","10","currency"
"ACH handling costs","0","currency"
"Card percentage charge","300","currency"
"Card fixed charge","0.2","currency"
"Card handling costs","0","currency"

"Assumptions"
"All starting values are fictional examples, not quoted prices or industry averages."
"Use one consistent period and actual written terms. Unknown costs are unresolved, not zero."
"Only aggregate amounts belong in this public tool. No card, bank, customer or health information."

"Result notes"
"The cap must be at least the minimum. Verify every term before treating this as a comparison."
"One payment. Returns, reserves, cash-flow timing and buyer payment approval are outside this cost model."

"Sources"
"Stripe: ACH Direct Debit timing, authorization and failures","https://docs.stripe.com/payments/ach-direct-debit"
"Visa: merchant surcharge requirements","https://usa.visa.com/support/small-business/regulations-fees.html"