Teranet Inc.

Online Payment Service Calculator

Background Information

Enter your billing information
How many invoices do you issue a year?
What percentage of invoices are not immediately paid (i.e. walk-out invoices)?	%
What percentage of walk-out invoices are paid?	%
What percentage of walk-out invoices are currently paid by credit card?	%
What is the average growth rate (%) of invoices issued per year?	%
Cost analysis
What are your internal costs to manually process an invoice payment? (Research indicates the average is between $13 and $22.)	$
What is your average invoice amount?	$
What is your credit card merchant discount rate?	%
Unity Notice Pay fee structure
Setup fee	$10,400
Transaction/operating fee	$2
Fee to be transferred to consumer

Analysis
Current Processes	Year 1	Year 2	Year 3	Year 4
Annual 'walk-out' invoice processing costs	$	$	$	$
Annual credit card merchant discount fees	$	$	$	$
Total invoice payment processing costs	$	$	$	$

Unity Notice Pay	Year 1	Year 2	Year 3	Year 4
Expected UNP adoption rate for 'walk-out' invoices	10%	15%	25%	35%
Annual payments through UNP
Unity Notice Pay Setup Cost	$
Annual Unity Notice Pay operating fees	$	$	$	$
Annual off-line 'walk-out' invoice processing costs	$	$	$	$
Annual credit card merchant discount fees	$	$	$	$
Total invoice payment processing costs	$	$	$	$

Net Benefit
Cost savings	$	$	$	$
Cumulative Cost Savings	$	$	$	$