Payment Tools for Merchants
Small, exact calculators for the numbers that come up in a payment application. Each one works out part of your payment profile before you complete a full assessment — nothing is stored and no email is required to see a result.
Available tools
Chargeback ratio calculator
Enter your chargebacks and transactions for the same period and see the ratio as a percentage, with the formula shown.
Rolling reserve calculator
Work out how much money a rolling reserve holds back, using your own volume, percentage and hold period.
MCC lookup
Search merchant category codes by number, category name or everyday wording to find the code that describes your business.
What these tools do and do not tell you
Every result on these pages is arithmetic on the values you type, or a lookup in the published merchant category code list. That makes the output exact, but it also means the output describes your numbers, not a provider's decision.
We deliberately do not attach pass/fail marks, acceptance thresholds or approval likelihoods to these calculations. Acceptable ratios, reserve terms and category restrictions differ by acquirer, scheme programme, licence and country, and they are set in the agreement you sign — not by a public calculator.
For the reasoning behind the numbers, read the chargeback ratio guide, rolling reserve guide and MCC codes guide.
Want to see which payment routes may fit your full profile?
A calculator only sees one number. The assessment looks at your industry, company country, target markets, volume, currencies and history together, then compares that profile against the providers we work with.
Start assessmentNothing is shared with a provider until you submit your onboarding pack. Approval is always the provider's decision.