← All merchant toolsPAYMENTS TREASURY LAB / CASH AVAILABILITY

Will your payment terms create a cash shortage?

Stress-test rolling reserves, payout delays and refunds against your operating cash. Compare the liquidity burden of two payment offers over 180 days—not just their transaction fees.

180-day forward modelTwo contract scenariosDaily cash-flow projectionLocal-only export

1. Merchant operating profile

Monthly processed revenue

Accounting currency (no FX conversion)

Opening unrestricted cash

Gross margin (%)

Fixed monthly cash operating costs

Processing fees (%)

Refunds and chargeback losses (% of processed volume)

2. Compare the payment contracts

Offer A · baseline

Payout delay (days)

Rolling reserve withheld (%)

Reserve released after (days)

Offer B · alternative

Payout delay (days)

Rolling reserve withheld (%)

Reserve released after (days)

Use your own processing agreement; the prefilled values are hypothetical, not market benchmarks. The model treats all amounts in the chosen accounting currency without FX conversion; sales are evenly distributed, fees/refunds reduce net processed receipts, rolling reserve is a percentage of net receipts, operating costs are paid daily and reserves release after the stated interval. It does not model taxes, seasonal spikes, actual disputes, borrowing costs or reserves extended at the processor's discretion.