Interactive Tool
Card-on-File ROI Calculator
Estimate the interchange revenue impact of card-on-file automation for your institution. With US card spending reaching $10 trillion and the Federal Reserve reporting that 23% of purchases are now remote, the opportunity is significant. Adjust the inputs below to match your card program.
Your Card Program
100,000 cardholders
20% of cardholders use the placement tool
8 merchant sites per cardholder
$50/month incremental spend per stored-card site
1.5% average interchange rate
$3 per placement
Projected Annual Impact
Annual Interchange Revenue
$1,440,000
Net Revenue (after placement costs)
$960,000
ROI
3.0X
This calculator provides estimates for illustrative purposes only. Actual results vary based on cardholder behavior, merchant mix, card type, and other factors. Contact Strivve for a detailed analysis tailored to your institution.