What would card payments earn your vending fleet?

Enter your own fleet numbers to see the monthly gain, the payback period and the three-year return of adding card and phone payments to your machines. Compare a cautious, a likely and a hopeful case, then turn the result into a proposal for your client.

Start from a location type

Example values for a mixed fleet. Replace them with your own. A neutral starting point.

Currency

Your fleet today

Machines

Sales per machine per dayCash only, today

Selling days per month

Gross margin on productsWhat you keep after product cost

With card payments: three estimates

Nobody knows the exact uplift before a pilot. Give a low, a likely and a high figure; the display compares all three.

Sales increase your estimateBuyers without coins can now pay

Cash handling saved per machine per monthFewer collections, counting and coin top-ups

Cost of the card readers

Reader price per machineOne-off, including installation

Service fee per reader per month

Card processing feeCharged on card and phone sales

Payback period · Realistic

5.3months

The readers pay for themselves within the first year.

€2,838Net gain per month

€15,000Upfront investment

€87,150Net gain after 3 years

Cumulative net position, 36 months

Conservative
Realistic
Optimistic

Extra gross profit from higher sales	+€3,600
Cash handling saved	+€500
Card processing fees	−€863
Reader service fees	−€400
Net gain per month	€2,838

Turn this into a client proposal

How the numbers are worked out

Monthly sales today = machines × sales per machine per day × selling days.
Extra gross profit = monthly sales today × sales increase × gross margin. Only the margin counts as gain, not the full extra revenue.
Card processing fees apply to the card and phone share of the new, higher sales.
Net gain per month = extra gross profit + cash handling saved − processing fees − reader service fees.
Payback period = reader price for the whole fleet ÷ net gain per month.

The sales increase and the card share differ by location and audience. Use figures from your own pilot machines where you have them. The location types are starting points for a conversation, not market data.