B2C Payments Excel Model

B2C Payments Business Model – Volume, Revenue & Cost Simulator
This model helps you size and simulate a direct-to-consumer (B2C) payments business by projecting user adoption, transaction volumes, payment flows, and monetization levers such as MDR (merchant discount rate), wallet fees, and interchange.
It includes built-in flexibility to test multiple growth scenarios, segment users by cohorts, and layer in cost structures such as tech, marketing, and partner commissions.

🔹 Model gross and net revenue based on payment flow assumptions
🔹 Simulate cost-to-serve and contribution margins
🔹 Customize user growth, retention, and ARPU scenarios

Ideal for fintech founders, product managers, and strategy teams designing or scaling B2C payments propositions.