COR3 PAYMENT PARTNERS / PRICING INTELLIGENCE
One merchant.
Three possibilities.
Find the balance between merchant savings
and a stronger residual.
Build a clearer proposal.
Live estimates. Transparent assumptions.Compare the outcomes
MERCHANT IMPACT
What stays with the merchant
Shape the proposal
Merchant sell rates are editable. Payarc buy rates and your 90% split are loaded separately.
Dual pricing
Two displayed prices. Model a higher card price against the cash price.
Surcharge
Credit only. Merchant pays interchange-plus and recovers eligible surcharges.
Interchange-plus
Pass through estimated interchange and assessments, then add your markup.
04Extra monthly fee catalogsCurrent statement charges and your COR3 pricing schedule.+
Current statement fee catalog
Imported charges are already included in the current effective rate. Uncheck that box only for a cost outside the entered rate. Annual fees are shown as a monthly equivalent.
Detected current pricing rate lines
- Upload a statement to capture current rate descriptions. These lines do not replace COR3 proposed pricing.
COR3 extra pricing schedule
Add merchant-paid charges on top of the monthly fees in the three proposal cards. Assign each line to all proposals or one scenario. Enter your sell price; no merchant extras are assumed.
Usage fees use the profile and Payarc activity inputs. A quantity multiplier of 1 uses that activity once. For “per occurrence,” enter the monthly event count. Standard residual pool lines use your COR3 split. Unchecked pool lines have 0% upstream share; their fee revenue and matching backend cost are excluded from the commission pool.
05Payarc buy rates & revenue shareRefine the inputs that drive COR3’s margin.+
Estimated interchange
Payarc core buy rates
COR3 economics
COR3 share applies to the signed shareable residual. Agent payout applies only to positive COR3 share. Direct costs are then deducted. Actual loss allocation and fee sharing may differ by agreement.
Payarc activity assumptions
Payarc backend fee catalog
These are COR3 backend costs, separate from your merchant sell-price catalog. Conditional and optional services start off. Amex and AVS lines use entered activity; noncompliance lines have 0% revenue share.
Complete Payarc Schedule A reference
ACH and termination-fee rows are reference only in this card-pricing calculator. Other third-party gateway / POS costs are N/A in the source; enter actual costs manually. Standard interchange, association and PIN-network costs pass through. Source identifies 70% for mid risk; this calculator defaults to the 90% low-risk split you confirmed.
| Fee | Buy rate | Basis | Low-risk share | Condition |
|---|
06Follow the moneyEvery fee, recovery, and margin in one place.+
| Calculation | Dual pricing | Surcharge | Interchange-plus |
|---|
07Assumptions & calculation guideUnderstand the estimate before you use it.+
What the model includes
- Volume and card count are independent. Credit volume and credit count shares can differ. Debit includes prepaid.
- Card-present share weights both credit and debit percentage costs. Estimated item costs apply once per successful sale.
- Processing percentage costs apply to the full settled amount, including the uplift or surcharge. Counts do not increase when prices increase.
- Current net cost = base card volume × current effective rate − current customer recovery + catalog fees marked outside that rate. Imported fee lines default to included to prevent double counting.
- Annual results equal 12 identical months, with unchanged mix, rates and volume.
What needs a statement review
Use actual effective interchange, assessments, brand mix, item fees and Schedule A costs. This estimate excludes refunds, chargebacks, tax effects, failed authorizations, batch fees not entered, equipment costs not entered, and changes in customer behavior. No ACH or cash costs are modeled.
The calculation
- Recovery / price uplift: dual = base card sales × uplift; surcharge = credit base sales × eligible share × applied rate.
- Net merchant cost: processing fees minus modeled customer recovery. Savings = current cost minus net merchant cost.
- Gross residual: processing fees minus estimated backend costs.
- COR3 retained margin: shareable residual × COR3 share, less agent payout and direct monthly costs. A 0% pool fee excludes its revenue and matching backend expense from shared residual. Any cost charged directly to COR3 belongs in direct costs.
Negative cost or margin is preserved. Savings are a reduction in merchant-paid processing cost, not a reduction in the total cost paid by merchant and customers together.
Dual pricing vs. surcharge
Dual pricing assumes a properly displayed card price and cash price. A 4% uplift on a $100 cash price makes the card price $104; it is a 3.846% discount from the card price. It is not a 4% checkout fee on debit.
Surcharge guardrails
Applied rate = the lowest of your requested rate, entered verified credit MDR, entered local cap, and a conservative 3% blended-network cap. This model never surcharges debit or prepaid. Eligible share is a share of credit volume only.
The entered MDR must reflect the applicable eligible credit brands/products. The model does not verify state eligibility, brand-level acceptance costs, signage, notification, registration, receipt requirements, or processor approval. Confirm those before quoting or implementation.
Visa permits credit surcharges up to the lower of the applicable MDR or 3%; Mastercard’s published cap is 4% subject to acceptance cost and other conditions. The calculator uses 3% as a conservative blended modeling ceiling, not a legal determination.
Visa · Merchant surcharge Q&A ↗Mastercard · Merchant surcharge rules ↗Official references reviewed November 12, 2026. Requirements can change.