Prodwave
PayFlow — Digital Payments
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About

Digital payment processing platform for SMBs with instant transfers, multi-currency support and merchant tools. Revenue from transaction fees, premium subscriptions, and API integration fees. Variable costs: payment processing per transaction.

36-month forecast: ~12.4K users, $531K net income, LTV/CAC 8.7x. Acquisition through performance marketing and organic channels.

Unit Economics

CAC
66 $
Weighted average Customer Acquisition Cost = total channel spend / total customers acquired
CPA
66 $
Cost per Client Acquisition
ARPU
57 $/mo.
Average Revenue Per User
ARPPU
57 $/mo.
Revenue per paying user (= ARPU, no free tier)
LTV
139 $
Customer Lifetime Value
LTV : CAC
2.1 x
Acceptable (1–3)
CAC Payback
1.6 mo.
Months to recover customer acquisition cost
Payback Period
Discounted project payback period

Yearly P&L

Year 1
-558K
322 clients
Year 2
-471K
690 clients
Year 3
-265K
992 clients

P&L Flows

Revenue: 1,036,120 $Product Sales4 subch., 0Income1,036,120 100%Payroll1,214,461 117%Channels819,000 79%OpEx297,336 29%
Profit: -1,294,677 $

Sales Table

Year 1
Year 2
Year 3
Metric
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
Total
New Sales
–
–
–
–
–
–
41
165
371
371
381
405
403
409
422
442
470
460
450
450
450
450
450
450
450
450
450
450
450
450
450
450
450
450
450
450
12,440
Base at Start
–
–
–
–
–
–
–
41
206
577
948
1K
2K
2K
3K
3K
3K
4K
4K
5K
5K
6K
6K
7K
7K
7K
8K
8K
9K
9K
10K
10K
11K
11K
12K
12K
11,994
Total Clients
–
–
–
–
–
–
41
206
577
948
1K
2K
2K
3K
3K
3K
4K
4K
5K
5K
6K
6K
7K
7K
7K
8K
8K
9K
9K
10K
10K
11K
11K
12K
12K
12K
12,444
Active at Start
–
–
–
–
–
–
–
16
73
180
232
277
322
358
392
427
465
507
536
561
587
613
639
664
690
715
740
765
791
816
841
866
891
917
942
967
967
Churn
–
–
–
–
–
–
–
10
41
96
108
116
126
129
134
139
146
155
155
154
154
154
155
155
155
155
155
155
155
155
155
155
155
155
155
155
3,987
Active at End
–
–
–
–
–
–
16
73
180
232
277
322
358
392
427
465
507
536
561
587
613
639
664
690
715
740
765
791
816
841
866
891
917
942
967
992
992

Expenses Table

Year 1
Year 2
Year 3
Expense Item
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
Total
Operational Expenses
7K
7K
7K
7K
7K
7K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
8K
9K
9K
9K
9K
9K
9K
9K
9K
9K
9K
9K
9K
9K
9K
9K
9K
9K
297,336 $
Acquisition Channels
–
–
–
–
–
–
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
27K
819,000 $
Team Payroll
21K
21K
25K
25K
31K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
35K
1,214,461 $
Fraud Losses
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
–
0 $
Total Expenses
28K
28K
32K
32K
38K
42K
70K
70K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
71K
72K
2,330,797 $

Income Table

Year 1
Year 2
Year 3
Income Item
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
M1
M2
M3
M4
M5
M6
M7
M8
M9
M10
M11
M12
Total
Tariffs(584,071 $)
Product Sales
–
–
–
–
–
–
541
2K
6K
8K
9K
11K
12K
13K
14K
15K
17K
18K
18K
19K
20K
21K
22K
23K
23K
24K
25K
26K
27K
28K
28K
29K
30K
31K
32K
33K
584,071 $
Additional Income(3 · 452,049 $)
Transaction Fees
–
–
–
–
–
–
74
326
808
1K
1K
1K
2K
2K
2K
2K
2K
2K
3K
3K
3K
3K
3K
3K
3K
3K
3K
4K
4K
4K
4K
4K
4K
4K
4K
4K
80,010 $
Premium Subscriptions
–
–
–
–
–
–
297
1K
3K
4K
5K
6K
6K
7K
8K
8K
9K
10K
10K
11K
11K
11K
12K
12K
13K
13K
14K
14K
15K
15K
16K
16K
16K
17K
17K
18K
320,039 $
API Integration Fees
–
–
–
–
–
–
–
–
–
–
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
2K
52,000 $
Total Income
–
–
–
–
–
–
912
4K
10K
13K
17K
20K
22K
24K
26K
28K
30K
32K
33K
34K
36K
37K
39K
40K
42K
43K
44K
46K
47K
49K
50K
51K
53K
54K
56K
57K
1,036,120 $

Income & Expense Trends

  • Balance
  • Cumulative Profit
  • Expenses
  • Income
M1M5M9M13M17M21M25M29M33-1.5 M-921K-371K179K649K

Acquisition Channels

  • Google Ads
  • Meta Ads
  • Referrals
  • SEO / Content
M1M5M9M13M17M21M25M29M330150300450600

Sales Trends

  • Active Clients
  • Churn
  • New Sales
  • Total Clients
M1M5M9M13M17M21M25M29M3304K7K11K14K

Yearly Forecast

MetricYear 1Year 2Year 3
Sales1,7345,3065,400
Active Clients322690992
Income per Client62 $58 $57 $
Total Income64,841 $380,301 $590,977 $
Total Expenses622,692 $851,769 $856,336 $
Partner Share
Net Income-557,851 $-471,467 $-265,359 $

Average Monthly Turnover

MetricYear 1Year 2Year 3
Sales145442450
Active Clients92537854

Income Structure (Year 1)

Transaction Fees4,946 $
Premium Subscriptions19,786 $
API Integration Fees4,000 $
Product Sales36,109 $
Total64,841 $

Expense Structure (Year 1)

Operational Expenses90,119 $
Acquisition Channels163,800 $
Team Payroll368,773 $
Fraud Losses
Total622,692 $

Results Summary

Total Sales
12K
992 active
Total Income
1.0 M
Total Cost
2.3 M
Net Income
-1.3 M