Follow the Money · act six, in its own room
Builda card program
Five acts said how the money moves.The sixth is what it costs to run the thing.
Pick the kind of card, start from a story or set your own numbers, and watch a month of a card program add up: what the taps earn, what the cast you recruited in act five charges, where it breaks even, and the question this whole page carries, now as a consequence of your numbers. Nothing here is anyone's real rate card; every figure is illustrative and every one of them is yours to change.
First, what kind of card
They load it first.
Or start from a story
Then tune the four that matter
The fine print +The fine print −
Contribution, a month
$16,178
Profitable at these settings.
Revenue
- Interchange
- $44,000$4.40
- Cardholder fees
- $0$0.00
- Yield on the float
- $1,778$0.18
Costs
- Network fees
- $4,800$0.48
- Processor, per account
- $10,000$1.00
- Fraud losses
- $2,800$0.28
- Fixed costs
- $12,000$1.20
- Contribution
- $16,178$1.62
Break-even
4,259 cards
Volume, a month
$4,000,000
4 days of spend sitting prefunded: about $533,333 of other people's money at the sponsor bank on an average day.
Who is on the hook
Nobody, for now. The float is other people's money sitting at the sponsor bank; what you earn on it is yours, and what they spend is already theirs.
Illustrative rates — real schedules vary by card, merchant, and country.
Open to new roles
Open to founding and senior product roles, Head of Product to Director, in Vancouver or remote across Canada.
If you are a founder with a first product still to ship, I design it end to end and build the first version with your engineers. If you run product at a scale-up or a bank, I take the regulated, operationally heavy workflows and make them feel simple.
Twenty minutes on a call is the quickest way to find out whether the fit is real. The calendar link books straight into my week.