Payments & Fintech Economics: Interchange, MDR, Take Rates & Chargebacks

What you'll build

What you will be able to do

Each lab ends with a concrete result that you build yourself and the checker confirms, cell by cell.

• Split the fee a merchant pays on each card sale into interchange, scheme fee and the acquirer's margin, and chart the split by card type.
• Price one month of card sales under a flat blended rate and under interchange-plus, compare the effective rates and pick the cheaper offer.
• Price one order for every payment method (including a fee cap), weight them by the payment mix and value a shift towards cheaper methods.
• Turn TPV and revenue into gross and net take rates, express them in basis points and weight the half-year figure correctly.
• Calculate the monthly chargeback ratio, flag months above a monitoring threshold and price what disputes really cost.
• Turn a risk engine's threshold test into approved and fraud orders, price each threshold's contribution, pick the best one and chart the trade-off.
• Measure the hidden FX markup against the mid-market rate, add the visible fee and compare the all-in cost by corridor.
• Build revenue and contribution per transaction for five ticket sizes, convert them to basis points and find the TPV needed to cover the fixed costs.