Payments
Baseline€ 840,00
Best€ 264,00
Base€ 576,00
Worst€ 1.068,00
Transparent cost model
Compare costs without hiding the assumptions
Enter your operating profile, select the correct payment channel, and review an indicative monthly range. This calculator is a model, not a binding offer.
Indicative benchmark
This is a comparison model, not a quote. Replace assumptions with your contracted PSP and bank rates before making a decision.
1. Enter your operating profile
Online and in-person rates are deliberately separate. Select the profile that matches the payment channel.
Models monthly account fees and per-transaction booking fees by jurisdiction. Override with contract terms for accuracy.
2. Review the indicative outcome
Current baseline (model)€ 1.948,00
Jurisdiction: Standard (Domestic)
ODINID scenario (range-first)€ 1.245,50
Best: € 738,50 | Worst: € 2.028,50 | Estimated modeled cost: 4.2% of revenue
Estimated difference in processing costs€ 264,00
Baseline PSP + bank: € 973,00 | ODINID scenario: € 709,00
3. Inspect the cost breakdown
| Cost category | Baseline | Best | Base | Worst |
|---|---|---|---|---|
| Payments | € 840,00 | € 264,00 | € 576,00 | € 1.068,00 |
| Bank fees | € 133,00 | € 133,00 | € 133,00 | € 229,00 |
| Labor | € 975,00 | € 292,50 | € 487,50 | € 682,50 |
| Subscription | - | € 49,00 | € 49,00 | € 49,00 |
| Total | € 1.948,00 | € 738,50 | € 1.245,50 | € 2.028,50 |
Bank fees
Baseline€ 133,00
Best€ 133,00
Base€ 133,00
Worst€ 229,00
Labor
Baseline€ 975,00
Best€ 292,50
Base€ 487,50
Worst€ 682,50
Subscription
Baseline-
Best€ 49,00
Base€ 49,00
Worst€ 49,00
Total
Baseline€ 1.948,00
Best€ 738,50
Base€ 1.245,50
Worst€ 2.028,50
Notes
- ODINID is the platform and ODINID@ is its cryptographic VerusID anchor. Merchants contract a PSP directly; neither label represents automatic cooperative membership or an approved credit limit.
- Benchmarks are not guarantees. PSP rates and labor savings depend on payment mix, contract terms, and operational maturity.
- For enterprise scenarios, use /calculator.
Disclosure and Footnotes
Calculator outputs are estimates based on ODINID Efficiency Benchmarks (min, base, max ranges). Real costs depend on your specific contracts, transaction volume, and operational setup. You are encouraged to override assumptions with your actual contract terms for a tailored analysis.
View sources and model assumptions
Sources (anchors)
Multi-Market Scalability
Architectural scalability (multi-website): Odoo supports multiple websites from the same database. ODINID does not apply a per-website license line item; marginal storefront cost depends on hosting, customization, and operational overhead rather than per-instance SaaS licensing.
Merchant Payment Rights (PSD2/A2A)
Payment initiation services (PSD2/A2A): PSD2 establishes the regulatory framework for payment initiation services with user consent. A SEPA Credit Transfer QR only carries payment data; the SEPA Proxy Lookup service resolves a proxy to payment-account data, while Verification of Payee is a separate payee-name check. ODINID does not claim that generating an EPC QR performs proxy lookup, payee verification, or payment initiation.
Algorithmic Ethics and Value Extraction
Pricing transparency: ODINID exposes assumptions and ranges so merchants can compare PSP, bank, direct-rail, and workload effects without treating the output as a guaranteed quote.
Claim Registry (audit trail)
| Claim | Tag | Min | Base | Max | Source / Rationale |
|---|---|---|---|---|---|
| PLATFORM_ODIN_BASE | ASSUMPTION (RANGE) | 49 | 49 | 49 | Indicative cost benchmark (model assumption), not a binding offer. Replace it with a signed customer contract or an immutable published rate card before treating it as an agreed price. |
| FEE_PSP_BLENDED_PCT | ASSUMPTION (RANGE) | 0.012 | 0.018 | 0.032 | Market span for EEA debit to international credit and method mix. Use anchors (Stripe/Mollie/SumUp/Adyen) and override with contract terms. |
| FEE_PSP_FIXED | ASSUMPTION (RANGE) | 0.06 | 0.25 | 0.35 | Fixed fee varies by method/provider/contract. Range is a blended modeling choice anchored to PSP public pricing pages. |
| EFFICIENCY_OPS_REDUX | ASSUMPTION (RANGE) | 0.3 | 0.5 | 0.7 | Ops efficiency depends on maturity, reconciliation rules, and bank sync quality. Kept as explicit range; never a single guaranteed %. |
| COST_NETWORK_RAIL | ASSUMPTION (RANGE) | 0.01 | 0.15 | 0.5 | Represents overhead for direct rails: gas/network plus banking rail overhead and settlement ops. Must be disclosed as assumption. |
| DISCLOSURE_DIRECT_RAIL_RIGHTS | SOURCED | - | - | - | This is a legal and technical disclosure, not a numeric savings claim. It references PSD2 and EPC documentation. |
| BANK_ACCOUNT_FEE_NL | ASSUMPTION (RANGE) | 49 | 49 | 49 | Indicative domestic bank-cost benchmark (model assumption; no specific bank contract is claimed). Replace with the merchant's actual bank terms. |
| BANK_TX_FEE_NL | ASSUMPTION (RANGE) | 0.07 | 0.07 | 0.15 | Indicative domestic booking-fee benchmark (model assumption; no specific bank contract is claimed). Replace with the merchant's actual bank terms. |
| DISCLOSURE_ALGO_ETHICS | ASSUMPTION (RANGE) | - | - | - | Product disclosure derived from ODINID's range-first calculator policy and payment-boundary documentation. |