"Test processing savings in a slow month, not only a busy one"
"Source","https://bluefinchadvisors.com/blog/seasonal-shop-card-fees-net-profit-comparison"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Slow-month settled card sales","20000","currency"
"Normal-month settled card sales","50000","currency"
"Busy-month settled card sales","90000","currency"
"Current variable effective rate","3","percent"
"Current fixed monthly cost","60","currency"
"Replacement variable rate assumption","0","percent"
"Replacement fixed monthly cost","120","currency"
"Maximum months in this planning window","12","number"
"Slow months included","4","number"
"Normal months included","4","number"
"Busy months included","4","number"
"One-time transition costs","0","currency"

"Results","Value","Unit"
"Slow-month recurring improvement","540","currency"
"Normal-month recurring improvement","1440","currency"
"Busy-month recurring improvement","2640","currency"
"Selected-period change after transition costs","18480","currency"

"Calculation detail","Value","Unit"
"Slow-month current cost","660","currency"
"Slow-month replacement cost","120","currency"
"Slow-month current effective rate","3.3000000000000003","percent"
"Normal-month current cost","1560","currency"
"Normal-month replacement cost","120","currency"
"Normal-month current effective rate","3.1199999999999997","percent"
"Busy-month current cost","2760","currency"
"Busy-month replacement cost","120","currency"
"Busy-month current effective rate","3.0666666666666664","percent"
"Months actually modeled","12","number"
"Current cost in modeled months","19920","currency"
"Replacement recurring cost in modeled months","1440","currency"
"Recurring improvement before transition costs","18480","currency"
"Unsupported peak-only illustration: twelve busy months","31680","currency"

"Assumptions"
"Starting figures are fictional planning examples, not a quote, verified outcome or small-business margin benchmark."
"This simplified model uses a variable percentage and fixed monthly charge. It does not automatically classify debit, refunds, tax, transaction fees or channel differences."
"Only the entered months are modeled. No benefit is assumed before implementation or in unassigned months."
"Enter remaining or proposed charges only after checking written terms. Blank unknowns are not zero; all fields must be completed before calculation."
"Cost differences are not a cash-flow forecast or a guarantee of payment approval."

"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."
"Negative improvement means higher modeled costs. Do not hide the slower month or annualize only the best one."

"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"