Nesting pre-validation

Model your nesting break-even and margin.

Model the monthly cost, revenue and break-even point of running nested transaction processing — with and without Elucidate’s real-time pre-validation. Change the blue inputs below to match your own book.

Real-time pre-validation Fewer stopped payments & RFIs Break-even in monthly volume

Your assumptions

Editable
Low = low-risk / affiliate flows · Standard = a typical correspondent bank · High = a new or higher-risk counterparty (fintech / PSP onboarding).

The annual platform fee and per-transaction fee are indicative and may change based on details of implementation. Elucidate’s per-transaction fee is standard across tiers — not tier-varying.

Break-even monthly volume

Nested payments / month where annual savings cover the platform fee.

Net annual margin improvement

After Elucidate’s annual platform fee, at your current volume.

Per month
Without Elucidate
With pre-validation
Stopped payments (count)
RFIs (count)
Friction cost
Elucidate per-transaction fees
Revenue
Net monthly margin

Monthly margin improvement

With pre-validation vs. without, this month.

Annual margin improvement

Before the annual platform fee (×12).

Advanced · edit scenario stop & RFI rates

These rates are illustrative. Each row is a counterparty tier; the highlighted row is the one selected above. Values are percentages of monthly volume.

Scenario Stop rate
without
RFI rate
without
Stop rate
with
RFI rate
with
Low
Standard
High
How the model works

The maths behind your break-even.

01 · Friction
Stops & RFIs cost you

Each tier implies a share of your monthly volume that gets stopped or triggers an RFI. Multiplied by your cost-per-event, that is the friction eating your nested-payment margin.

02 · Pre-validation
Fewer events, a small fee

Real-time pre-validation sharply lowers stop and RFI rates. In exchange you pay a per-transaction fee. Net margin with Elucidate is revenue minus the reduced friction, minus those fees.

03 · Break-even
Where it pays for itself

Break-even volume is the monthly nested-payment count at which the annual margin improvement — net of the per-transaction fee — covers Elucidate’s annual platform fee.

Interested?

Let’s run this on your book.

A 30-minute walk-through of nesting pre-validation against a sample of your own flows — with indicative pricing calibrated to your volumes.

Talk to our team

— or read more · See the Ratings · For Operations