💹 Fintech & Capital Markets · Sankey
Payments Fintech Revenue and Costs
How the fees a payments company earns are split between network costs, bank partners and its own margin, per ₹100 of fees.
Drawing diagram…
What this diagram shows
- Card network and bank fees take the largest share
- Fraud losses and chargebacks are a real cost line
- What is left funds operations and profit
Prompt used
Sankey of where ₹100 of payment processing fees goes: card fees 60 and UPI and wallet fees 40 go into gross revenue. Out of it, 35 goes to card networks and issuing banks, 10 to the acquiring bank partner, 5 to fraud losses and chargebacks, 20 to operations and support, 15 to technology and 15 is profit.
Mermaid code
sankey-beta Card fees,Gross revenue,60 UPI and wallet fees,Gross revenue,40 Gross revenue,Networks and issuing banks,35 Gross revenue,Acquiring bank partner,10 Gross revenue,Fraud and chargebacks,5 Gross revenue,Operations and support,20 Gross revenue,Technology,15 Gross revenue,Profit,15
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