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
10% of cardholders use the placement tool
5 merchant sites per cardholder
$50/month incremental spend per stored-card site
1.5% average interchange rate
$1.15 per placement
Volume tier at 100,000 cardholders: $1.00–$1.25
Projected Annual Impact
Annual Interchange Revenue
$450,000
Net Revenue (after placement costs)
$392,500
ROI
7.8X
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.