{"id":3147,"date":"2026-02-16T23:32:11","date_gmt":"2026-02-16T23:32:11","guid":{"rendered":"https:\/\/wegetfinancing.com\/blog\/?page_id=3147"},"modified":"2026-02-16T23:49:08","modified_gmt":"2026-02-16T23:49:08","slug":"bnpl-calculator","status":"publish","type":"page","link":"https:\/\/wegetfinancing.com\/blog\/bnpl-calculator\/","title":{"rendered":"BNPL Calculator"},"content":{"rendered":"<div id=\"wgf-bnpl-sim-v1\">\r\n  <div class=\"wrap\">\r\n\r\n    <!-- STEP 1 -->\r\n    <div id=\"wgfStep1\" class=\"card\">\r\n      <div class=\"header\">\r\n        <div>\r\n          <h1>BNPL Yield & Leakage Simulator<\/h1>\r\n          <p class=\"subp\">\r\n            A neutral estimate of hidden revenue leakage caused by invisible financing declines \u2014 and the recovery range structured routing can unlock.\r\n          <\/p>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"sectionTitle\">Core Inputs<\/div>\r\n      <div class=\"fields\">\r\n        <div class=\"field\">\r\n          <label for=\"wgfCompany\">Company name (for the audit)<\/label>\r\n          <input id=\"wgfCompany\" type=\"text\" placeholder=\"Your company\" value=\"Your company\">\r\n        <\/div>\r\n\r\n        <div class=\"field\">\r\n          <label for=\"wgfIndustry\">Retail category (optional)<\/label>\r\n          <select id=\"wgfIndustry\">\r\n            <option value=\"\">Not specified<\/option>\r\n            <option value=\"furniture\">Furniture<\/option>\r\n            <option value=\"electronics\">Electronics<\/option>\r\n            <option value=\"homeimprovement\">Home improvement<\/option>\r\n            <option value=\"healthcare\">Healthcare \/ services<\/option>\r\n            <option value=\"luxury\">Jewelry \/ luxury<\/option>\r\n            <option value=\"general\">General retail<\/option>\r\n            <option value=\"other\">Other<\/option>\r\n          <\/select>\r\n        <\/div>\r\n\r\n        <div class=\"field\">\r\n          <label for=\"wgfTraffic\">Monthly website sessions<\/label>\r\n          <input id=\"wgfTraffic\" type=\"number\" min=\"0\" step=\"1\" placeholder=\"e.g., 50000\">\r\n        <\/div>\r\n\r\n        <div class=\"field\">\r\n          <label for=\"wgfAOV\">Average order value (AOV) \u2014 USD ($)<\/label>\r\n          <input id=\"wgfAOV\" type=\"number\" min=\"0\" step=\"1\" placeholder=\"e.g., 1200\">\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"sectionTitle\">Benchmark assumptions (editable)<\/div>\r\n      <div class=\"fields\">\r\n        <div class=\"field\">\r\n          <label for=\"wgfCR\">Estimated conversion rate (%)<\/label>\r\n          <input id=\"wgfCR\" type=\"number\" min=\"0\" step=\"0.01\" value=\"1.2\">\r\n          <p class=\"helper\">Industry benchmark (editable if known).<\/p>\r\n        <\/div>\r\n\r\n        <div class=\"field\">\r\n          <label for=\"wgfFinShare\">% of orders using financing (%)<\/label>\r\n          <input id=\"wgfFinShare\" type=\"number\" min=\"0\" step=\"0.1\" value=\"25\">\r\n          <p class=\"helper\">If unknown, keep a conservative value.<\/p>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"sectionTitle\">Checkout structure<\/div>\r\n      <div class=\"fields\">\r\n        <div class=\"field\">\r\n          <label for=\"wgfProviders\">How many financing providers are shown at checkout?<\/label>\r\n          <select id=\"wgfProviders\">\r\n            <option value=\"1\">1 (single lender or store card)<\/option>\r\n            <option value=\"2\">2 (manual choice \/ manual retry)<\/option>\r\n            <option value=\"3\">3+ (manual choice \/ manual retry)<\/option>\r\n            <option value=\"unsure\">Other \/ not sure<\/option>\r\n          <\/select>\r\n          <div class=\"helper\">If unsure, we apply a conservative baseline.<\/div>\r\n        <\/div>\r\n\r\n        <div class=\"field\">\r\n          <label for=\"wgfRetarget\">Do you retarget declined financing applicants?<\/label>\r\n          <select id=\"wgfRetarget\">\r\n            <option value=\"\">Skip<\/option>\r\n            <option value=\"no\">No<\/option>\r\n            <option value=\"yes\">Yes<\/option>\r\n          <\/select>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"sectionTitle\">Paid acquisition (optional)<\/div>\r\n      <div class=\"fields\">\r\n        <div class=\"field\">\r\n          <label for=\"wgfCAC\">Customer Acquisition Cost (CAC) \u2014 USD ($)<\/label>\r\n          <input id=\"wgfCAC\" type=\"number\" min=\"0\" step=\"1\" placeholder=\"e.g., 120\">\r\n          <p class=\"helper\">Average cost to acquire one customer (used to estimate wasted ad spend tied to declines).<\/p>\r\n        <\/div>\r\n\r\n        <div class=\"field\">\r\n          <label for=\"wgfPaidShare\">Paid traffic share<\/label>\r\n          <select id=\"wgfPaidShare\">\r\n            <option value=\"\">Skip<\/option>\r\n            <option value=\"0.10\">~10%<\/option>\r\n            <option value=\"0.25\">~25%<\/option>\r\n            <option value=\"0.50\">~50%<\/option>\r\n            <option value=\"0.75\">~75%<\/option>\r\n            <option value=\"1.00\">~100%<\/option>\r\n          <\/select>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div id=\"wgfError\" class=\"note error\" style=\"display:none;\"><\/div>\r\n\r\n      <div class=\"actions bottomActions\">\r\n        <button id=\"wgfReset\" class=\"btn\" type=\"button\">Reset<\/button>\r\n        <button id=\"wgfCalc\" class=\"btn primary\" type=\"button\">Calculate<\/button>\r\n      <\/div>\r\n\r\n      <div class=\"note\">\r\n        Conservative benchmark adjustments applied. This tool estimates merchant-side leakage from invisible declines (not a lender\u2019s advertised approval rate).\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <!-- STEP 2 -->\r\n    <div id=\"wgfStep2\" class=\"card\" style=\"display:none;\">\r\n      <div class=\"header\">\r\n        <div>\r\n          <h1 id=\"wgfAuditTitle\">BNPL Yield & Leakage Audit<\/h1>\r\n          <p class=\"subp\" id=\"wgfAuditSub\">Uncovering the hidden cost of checkout financing bottlenecks.<\/p>\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div id=\"wgfReport\">\r\n\r\n        <div class=\"sectionTitle\">Section 1 \u2014 Executive Summary<\/div>\r\n\r\n        <div class=\"execWrap\">\r\n          <p id=\"wgfExecLine1\">\u2014<\/p>\r\n          <p id=\"wgfExecLine2\" style=\"color:#5b677a;\">\u2014<\/p>\r\n\r\n          <div style=\"margin-top:12px;\">\r\n            <strong>The Bottom Line:<\/strong>\r\n            <div id=\"wgfBottomSentence\" style=\"margin-top:6px;\">\u2014<\/div>\r\n          <\/div>\r\n\r\n          <div class=\"kpis\" style=\"margin-top:12px;\">\r\n            <div class=\"kpi\">\r\n              <div class=\"name\">Monthly revenue leak<\/div>\r\n              <div class=\"val\" id=\"wgfMonthlyLeak\">$\u2014<\/div>\r\n              <div class=\"mini\">Estimated leak from invisible declines.<\/div>\r\n            <\/div>\r\n\r\n            <div class=\"kpi\">\r\n              <div class=\"name\">Annual revenue leak<\/div>\r\n              <div class=\"val\" id=\"wgfAnnualLeak\">$\u2014<\/div>\r\n              <div class=\"mini\">Annualized view of unrealized financed revenue.<\/div>\r\n            <\/div>\r\n\r\n            <div class=\"kpi\">\r\n              <div class=\"name\">Wasted ad spend (monthly)<\/div>\r\n              <div class=\"val\" id=\"wgfWastedCAC\">$\u2014<\/div>\r\n              <div class=\"mini\">Shown if CAC + paid share provided.<\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"sectionTitle\">Section 2 \u2014 The \u201cInvisible Enemy\u201d Breakdown<\/div>\r\n        <div class=\"box\">\r\n          <h3>What\u2019s driving the leak<\/h3>\r\n          <ul id=\"wgfBreakdown\"><li>\u2014<\/li><\/ul>\r\n        <\/div>\r\n\r\n        <div class=\"sectionTitle\">Section 3 \u2014 The Routing Recovery Plan<\/div>\r\n        <div class=\"box\">\r\n          <h3>Recommendation<\/h3>\r\n          <ul id=\"wgfRoutingReco\">\r\n            <li>Implement structured multi-lender routing to reduce decline concentration and friction.<\/li>\r\n            <li>Optional: A\/B test single-lender vs. structured routing to measure impact on your catalog and customer mix.<\/li>\r\n          <\/ul>\r\n        <\/div>\r\n\r\n        <div class=\"kpis\">\r\n          <div class=\"kpi\">\r\n            <div class=\"name\">Projected recovered revenue (monthly)<\/div>\r\n            <div class=\"val\" id=\"wgfRecMonthly\">$\u2014<\/div>\r\n            <div class=\"mini\">Range: 20%\u201328% of the current leak (conservative).<\/div>\r\n          <\/div>\r\n\r\n          <div class=\"kpi\">\r\n            <div class=\"name\">Projected yield expansion (annual)<\/div>\r\n            <div class=\"val\" id=\"wgfRecAnnual\">$\u2014<\/div>\r\n            <div class=\"mini\">Annualized recovery range.<\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <div class=\"sectionTitle\">Section 4 \u2014 Next Steps<\/div>\r\n        <div class=\"box\">\r\n          <ul id=\"wgfNextSteps\">\r\n            <li>\r\n              If you want, we can share a simple comparison table: single-lender vs. structured routing\r\n              (<a id=\"wgfCompareLink\" href=\"https:\/\/wegetfinancing.com\/blog\/wp-content\/uploads\/2026\/02\/financing_routing_logic_multi-lender_single-lender.jpg\" target=\"_blank\" rel=\"noopener\">open table<\/a>).\r\n            <\/li>\r\n            <li>Book a short review to identify the highest-impact \u201cleak points\u201d first.<\/li>\r\n          <\/ul>\r\n\r\n          <!-- Buttons moved HERE (bottom) -->\r\n          <div class=\"actions\" style=\"margin-top:14px; justify-content:space-between;\">\r\n            <button id=\"wgfBack\" class=\"btn\" type=\"button\">Reset &amp; Recalculate<\/button>\r\n            <div class=\"actions\" style=\"gap:10px;\">\r\n              <button id=\"wgfPrint\" class=\"btn\" type=\"button\">Download \/ Save as PDF<\/button>\r\n              <a id=\"wgfCTA\" class=\"btn primary\" href=\"https:\/\/calendly.com\/wegetfinancing\" target=\"_blank\" rel=\"noopener\">Book a 15-Min Leakage Review<\/a>\r\n            <\/div>\r\n\t\t\t  \r\n\t\t\t  \r\n        <div class=\"sectionTitle\">Audit inputs (for reference)<\/div>\r\n        <div class=\"box\">\r\n          <ul id=\"wgfInputsRecap\"><li>\u2014<\/li><\/ul>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n\r\n  <\/div>\r\n<\/div>\r\n\r\n<div style=\"margin-top:30px; font-size:13px; color:#6b7280; text-align:center;\">\r\n  BNPL Yield & Leakage Audit v1.001 \u2014 Think a benchmark should be adjusted for your industry? \r\n  <a href=\"mailto:support@wegetfinancing.com\" style=\"color:#0b1220; font-weight:600; text-decoration:none;\">\r\n    Tell us at support@wegetfinancing.com\r\n  <\/a>\r\n<\/div>\r\n\r\n          <\/div>\r\n        <\/div>\r\n\r\n\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3147","page","type-page","status-publish","hentry","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BNPL Calculator - WeGetFinancing - The Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wegetfinancing.com\/blog\/bnpl-calculator\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BNPL Calculator - WeGetFinancing - The Blog\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wegetfinancing.com\/blog\/bnpl-calculator\/\" \/>\n<meta property=\"og:site_name\" content=\"WeGetFinancing - The Blog\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-16T23:49:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/wegetfinancing.com\/blog\/wp-content\/uploads\/2024\/01\/POS-Financing-BNPL-solutions-WeGetFinancing.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/wegetfinancing.com\/blog\/bnpl-calculator\/\",\"url\":\"https:\/\/wegetfinancing.com\/blog\/bnpl-calculator\/\",\"name\":\"BNPL Calculator - WeGetFinancing - The Blog\",\"isPartOf\":{\"@id\":\"https:\/\/wegetfinancing.com\/blog\/#website\"},\"datePublished\":\"2026-02-16T23:32:11+00:00\",\"dateModified\":\"2026-02-16T23:49:08+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/wegetfinancing.com\/blog\/bnpl-calculator\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/wegetfinancing.com\/blog\/bnpl-calculator\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/wegetfinancing.com\/blog\/bnpl-calculator\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/wegetfinancing.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"BNPL Calculator\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/wegetfinancing.com\/blog\/#website\",\"url\":\"https:\/\/wegetfinancing.com\/blog\/\",\"name\":\"WeGetFinancing - The Blog\",\"description\":\"A Merchants Guide to everything BNPL &amp; 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