SMSWallet Revenue & Profit Calculator

Top-Up Revenue

Wallet bundles sold to customers in the period, each priced in its own currency — converted to GBP below using live Stripe FX rates. "Credits" is the wallet's internal spending unit the customer receives — later redeemed on outbound messages at the "price per outbound SMS" set in Messaging Costs.

Payment Processing Fees

Deducted by the payment service provider (PSP) on each top-up transaction. Stripe rates are the standard domestic-card rate for the destination country (see stripe.com/pricing) — cross-border card and currency-conversion surcharges aren't modelled. Fees are calculated within each bundle's own currency, then converted to GBP alongside its revenue.

Transactional & System Messages

Free-to-customer service SMS that still cost to send — top-up confirmations and welcome/signup messages. These add to messaging COGS but are never charged to the wallet.

Messaging Costs (COGS)

What it costs us in carrier fees to deliver/receive SMS, always in GBP — separate from the wallet. The wallet is only ever debited for the operator's paid response; inbound is never charged (to the customer or the wallet) — it's just the trigger.

The customer tops up via Stripe/PayPal (Top-Up Revenue), then spends those credits when an operator responds. This is the only point the wallet is charged — divide credits sold by the price per response to get the number of paid responses.

Each chargeable response is triggered by exactly one inbound message. The customer is never billed for sending it (no phone-bill charge, no wallet deduction) — it only costs us the carrier's per-part fee below.

Each paid response is a long reply, delivered as several concatenated SMS parts — the carrier cost and wallet price above are both per whole response, but carrier billing is per part.

Kept in sync with the response parts above automatically — untick to type your own figure from real send logs instead.

Operator Costs

Paid to operators for handling each response to an inbound message, always in GBP — weekday and weekend rates differ.

Client Response Rate

Some clients market the service themselves and are paid a share per response their users generate — a flat fee in GBP for every charged response, separate from operator pay.

Other Deductions

Refunds, chargebacks, admin credit adjustments, infrastructure/hosting, revenue share, etc. Entered in GBP.