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Platform · Revenue Estimator

Compare traditional co-brand cards vs mCards

Use the controls to model cardholder spend and product economics. Figures are estimates only, illustrative scenarios, not expected or guaranteed performance. Actual revenue depends on adoption, usage, partner agreements, regulations, product availability, and market conditions.

Assumptions & limits: Interchange rates, fees, lending, subscriptions, affiliates, and crypto lines are modeled inputs you can change. Crypto and lending lines apply only where partners and regulations allow. Results are per-cardholder illustrations for discussion, not financial projections or promises.

Assumptions

$2,000.00
$2K$25K

Traditional interchange: 1.90% · mCard interchange model: 2.23%

Co-Brand Credit Card
Co-Brand mCard

Interchange

Interchange ranges from about 1.55% to 3.25% depending on the network and card type. Partner share varies with cardholder usage and volume.

Credit cards: 1.9% interchange, 1.0% funds rewards, 0.9% to partner.

$38.00
$44.60

Card fees (annual, ATM)

Card fees depend on features bundled on the cards and are set by the agency or distributor marketing cards to end consumers. Applied here as monthly revenue per cardholder.

$1.30
$0.00$10.00
$1.30
$1.30

Credit & lending

Licensed lenders provide credit facilities for cardholders. mCards negotiates a revenue share on credit activity stemming from the program.

$0.12
$0.00$50.00
$0.12
$0.12

Subscription fees

mCardholders can subscribe to apps, features, and services through the marketplace. Partners share a portion of subscription fees with the program.

Only the Co-Brand mCard generates subscription revenue in this model.

$1.63
$0.00$25.00
$0.00
$1.63

Affiliate commissions

Feature providers can pay a one-time affiliate fee for activating cardholders on their systems or services via the marketplace.

Only the Co-Brand mCard generates affiliate commissions in this model.

$16.25
$0.00$100.00
$0.00
$16.25

Xchange & crypto

Revenue from in-app currency exchange and crypto on/off-ramp transactions. Margin is captured on conversions inside the marketplace.

Only the Co-Brand mCard generates Xchange & Crypto revenue in this model.

$3.50
$0.00$50.00
$0.00
$3.50
Total revenue / month
$39.42
$67.40
mCard advantage / month

Additional revenue the Co-Brand mCard generates compared to the Co-Brand Credit Card.

+$27.98
71% more revenue per month
Total revenue / year

Annualized revenue per cardholder (monthly × 12).

$473.04
$808.80
mCard advantage / year

Additional annual revenue vs. the Co-Brand Credit Card.

+$335.76
71% more revenue per year

Estimates only. Illustrative monthly scenarios per cardholder, not expected performance. Actual results depend on adoption, usage, partner agreements, regulations, and market conditions. Partner economics vary by program. Disclosures

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