Independent tools
Practical tools for payment decisions
Use these calculators and assessments to compare what card fees, ACH processing, and flat monthly platforms actually cost, and to find where your collection workflow slows down. Each tool is built for education, not sales.
Calculators
Compare what each method really costs
Enter your typical invoice size and monthly volume to see effective fees side by side.
Percentage card fees
See how a per-transaction percentage adds up across invoices of different sizes, including the effect of a fixed per-transaction charge.
Capped ACH processing
Model bank transfer costs under a per-transaction cap, and compare them with card fees on the same invoice amounts over a year.
Hybrid and flat-rate platforms
Test a flat monthly platform cost against a mixed arrangement, and find the monthly volume where each option becomes the lower-cost choice.
Assessments
Find where collection slows down
01
Invoice aging
Review how long invoices stay open, and where delays begin between sending and payment.
02
Client authorization setup
Check whether clients can authorize payments once, and whether that approval carries forward to later invoices.
03
Recurring billing adoption
Assess how much of your revenue repeats each month, and whether it is billed automatically or manually.
04
Dispute handling
Examine how payment disputes are logged, who responds to them, and how quickly they are resolved.