Benefit Calculator

Calculate the financial benefits of using Card Present over Internet (CPoI)

www.paywithcpoi.com

Merchant Fee

Fee for CPoI Solution

Merchant CPoI Fee (%)

More Approvals

Parameters for calculating increased approvals
(Elimination of False Positives)

Increased Approvals (%)

Cost per Transaction (%)

Current Annual TPV ($)

Current ATV ($)

Reduced Chargebacks

Parameters for calculating chargeback reduction benefits

Annual CB Ratio (bps)

1st Party Fraud Ratio (bps)

Cost per Chargeback ($)

Authentication & Fraud

Parameters for 3DS and fraud check cost savings

3DS Checks on TPV (%)

Cost per 3DS Check ($)

Number of Fraud Checks

Cost per Fraud Check ($)

3DS Reduction (%)

Fraud Check Reduction (%)

Fee Differences

Scheme and interchange fee difference parameters

Scheme Fee Difference (%)

Interchange Fee Difference (%)

📊 Benefit Summary

Calculated benefits across all categories

More Approvals Benefits

Increased TPV

$5,000,000

Net Revenue Increase

$4,925,000

New Annual TPV

$105,000,000

493 bps benefit

Chargeback Reduction Benefits

Chargeback Savings

$4,725,000

New CB Ratio

0.150%

473 bps benefit

Authentication & Fraud Savings

3DS Savings

$5,000

Fraud Check Savings

$4,000

1 bps benefit

Fee Savings

Scheme Fee Savings

$250,000

Interchange Fee Savings

💰 Total Annual Benefit

$9,909,000

991 bps

CPoI Fee Analysis

Merchant CPoI Fee

$1,850,000

185 bps

Net Benefit After Fee

$8,059,000

806 bps

✅ Positive ROI

🔍 Key Metrics

Annual TPV

$100,000,000

Average Transaction Value

$30

Annual Transactions

3,333,333

Benefit as % of TPV

9.91%

Financial Impact Waterfall

Step-by-step breakdown of benefits and costs

Starting TPV

$100,000,000

Total Benefits

$9,909,000

Total Costs

$1,925,000

Net Impact

$8,059,000

Benefit Breakdown

Visual breakdown of total annual benefits by category

More Approvals

$4,925,000 (493 bps)

Chargeback Reduction

$4,725,000 (473 bps)

Auth & Fraud Savings

$9,000 (1 bps)

Scheme Fee Savings

$250,000 (25 bps)

Experience the future of online payments today with Burbank's ground-breaking technology

Offer your customers a compelling, value-driven proposition that has never been seen before. Customers can now pay online exactly as they do in store.

Eliminate False Positives:

False positives cost merchants $443bn per annum. False positives are eliminated with CPoI®.

Reduce Chargebacks:

Global chargeback fraud costs merchants $20bn in 2023 and is expected to rise to $28.1bn by 2026. CPoI® significantly reduces chargebacks.

Reduce Reliance and Spend on AI:

The average merchant uses 5 AI tools to reduce fraud. But these tools increase false positives. With CPoI®, the need for AI is significantly reduced or even eliminated.

Simple Payments:

A simple, globally familiar, and universally trusted payment process.

Shift Transaction Liability:

CPoI® enables card-present payments online, shifting transaction liability away from the merchant.

Broaden Customer Segments:

CPoI® removes barriers to online shopping and opens new opportunities. Tap and PIN is a universally familiar experience, which helps attract new customers who may be wary of shopping online.