Fintech · Payments deck
Payments pitch decks with the flow of funds made simple.
Payments investors look past volume to revenue: what you earn on each transaction, what it costs you, and which partners and licenses you depend on.
Fixed prices. No calls: you brief us in writing and comment in writing.
Flow of funds
Who pays whom, and where we earn
Illustration only. Any figures are invented for this sample slide.
Who reads it
Fintech investors who know payments economics well.
Turnaround
5 business days for a design rebuild; 3 business days for an audit.
How it differs
How a payments deck differs from a general pitch deck
A general startup deck shows revenue and growth. A payments deck must first show how the money moves, because revenue is a thin slice of a much larger volume figure. Readers check who holds funds, who carries losses and whose licenses you operate under before they believe the growth. Partner dependence is a core risk, not a footnote. Economics are measured per transaction and per merchant, and the loss line matters as much as the fee line. Expect questions on reserves, concentration and pressure on the take rate as larger merchants sign.
Slide by slide
What goes in a payments deck
- 01
Flow of funds
Who pays whom, when, and where you sit.
- 02
Customer segment
Who you process for.
- 03
Volume and revenue
Total payment volume and net revenue, kept apart.
- 04
Take rate
What you earn per unit of volume.
- 05
Unit costs
Processing, fraud and support.
- 06
Partners and licenses
What you hold and whom you rely on.
- 07
Risk controls
Fraud and compliance.
- 08
Plan
What the round funds.
The questions behind every slide
What readers of a payments deck ask
Each answer names the slide or document where it belongs. If a question has no home in your deck, the reader will ask it in writing, or stop reading.
- 1
Who is the merchant of record, and who holds the merchant relationship?
The flow-of-funds slide should name it for each payment type, and the partners and licenses slide should say which agreement sets it.
- 2
Who carries the loss when a chargeback or fraud claim cannot be recovered from the merchant?
The risk controls slide should answer it in one sentence, and the same loss should appear as a line in the unit cost table.
- 3
Is the take rate holding, or does it fall as larger merchants join?
Show the take rate by merchant size or signing cohort on the take rate slide, with the monthly series in the appendix.
- 4
How much of gross revenue is interchange and network fees you pass straight through?
The volume and revenue slide should show gross revenue, pass-through costs and net revenue as three separate lines.
- 5
How concentrated is volume in your largest merchants?
A concentration chart belongs in the appendix, with a one-line summary on the volume and revenue slide.
- 6
Do processors or acquirers hold reserves or collateral against your volume?
State any reserve or collateral on the plan or financials slide, and put the terms summary in the appendix.
- 7
Which licenses or registrations do you operate under, and are they yours or a partner's?
The partners and licenses slide should answer it, backed by a regulatory summary written with your counsel.
- 8
Where is card data stored, and what is your PCI DSS scope?
The risk controls slide should say which party stores, processes or transmits card data, with your validation status in a security appendix.
Headline rewrites
Slide titles that say something.
A reader skims headlines first. A label tells them the topic; a sentence tells them the point. Bracketed figures are placeholders for your own numbers.
Before
Take rate
After
We keep [X] basis points of every dollar we process, after network and processor costs
Before
Partners
After
A second processor is live, so no single partner can stop our volume
Before
Fraud
After
Fraud and dispute losses stayed under [X]% of volume while volume grew [X] times
What we fix
Faults we see in payments deck drafts
Volume presented as revenue.
Partner dependencies left unstated.
Fraud losses omitted.
What you receive
Documents we produce
- Investor deck
- Flow-of-funds diagram
- One-page summary
Every file is delivered editable, in PowerPoint, Google Slides or Keynote, with a PDF for sending. A payments deck rebuild starts at $3,500; the full Raise Set with one-pager and teaser is $10,000.
Format
Length, versions and appendix
- Length
- Commonly 12 to 15 main slides, plus a flow-of-funds diagram that can stand alone.
- Send-ahead version
- Send a PDF with the flow-of-funds diagram on its own page and every metric defined in a footnote. Keep merchant-level data for the data room.
- Presented version
- Walk the flow of funds once, slowly, then move to unit economics. Keep partner terms and cohort tables as backup slides for questions.
What belongs in the appendix
- Monthly volume, net revenue and take rate
- Merchant concentration
- Loss, fraud and chargeback history
- License and partner summary from your counsel
- Volume retention by merchant cohort
- Reserve and settlement terms
Before you send it
Payments deck checklist
- Gross revenue, pass-through costs and net revenue are separate lines everywhere they appear.
- The take rate on the slide matches net revenue divided by volume in the model.
- Volume is defined: which period, and whether refunds and reversals are removed.
- Every party on the flow diagram is named or labeled by type where agreements forbid naming.
- License and registration wording is approved in writing by your counsel.
- Fraud, chargeback and dispute losses are shown, not only fraud prevented.
- Reserves or collateral held by partners are disclosed.
- Partner and merchant logos appear only with written permission.
Glossary
Terms used in a payments deck
- Total payment volume (TPV)
- The total value of payments processed in a period, usually net of reversals. It is volume, not revenue.
- Take rate
- Net revenue divided by payment volume: the part of each processed dollar the company keeps.
- Interchange
- A fee set by the card networks and paid from the merchant side to the card issuer on each card transaction.
- Chargeback
- A payment reversed by the card issuer after the cardholder disputes it. The merchant side loses the amount unless the dispute is won.
- Rolling reserve
- Part of each settlement that a processor or acquirer holds back for a set period to cover future chargebacks and losses.
- Merchant of record
- The business named as the seller in a card transaction and responsible for the sale, refunds and disputes.
Your written brief
What to send us for a payments deck
No call needed. Send what you have; missing items are listed in our written reply, and nothing is invented to fill a gap.
- 01Your own flow-of-funds sketch, however rough
- 02Monthly volume, gross revenue, pass-through costs and net revenue
- 03Processors, sponsor banks and other partners, marked by which may be named
- 04Licenses, registrations and pending applications as your counsel describes them
- 05Fraud, chargeback and loss history
- 06Merchant list by segment, anonymized if needed
- 07Merchant pricing schedule
- 08Current deck and financial model
Packages
Four packages, fixed prices.
Deck Audit
$1,500
3 business days
A written verdict on the deck you have, before you send it to anyone.
- Slide-by-slide notes inside your file
- The fixes that matter most, in order
- Story, numbers and design, each assessed
- The investor questions your deck leaves open
One deck, up to 20 slides. No redesign included.
Choose Deck AuditInvestor Finish
$3,500
5 business days
Your draft, rebuilt to investor standard. Design only.
- Up to 15 slides rebuilt
- Charts redrawn from your data
- Your brand applied throughout
- One written revision round
- Editable PowerPoint, Google Slides or Keynote
Design only: your wording and slide order stay as they are.
Choose Investor FinishFinish + Story
$6,500
8 business days
We restructure the argument, rewrite the headlines, then rebuild the deck.
- Up to 20 slides
- Narrative restructured from your draft and notes
- Headlines rewritten as full-sentence points
- Send-ahead PDF version
- Two written revision rounds
We work from your facts. No market research or financial modeling.
Choose Finish + StoryRaise Set
$10,000
12 business days
Everything a raise needs, in one matching set.
- Up to 30 slides plus appendix
- Investor one-pager
- Short teaser version for cold outreach
- Three written revision rounds
- All source files
No investor introductions, fundraising or legal advice.
Choose Raise SetNot included in any package: Calls or meetings · Market research · Financial modeling or valuation · Investor introductions · Fundraising, legal or securities advice. Extra slides and extra revision rounds are quoted in writing before we start them.
Questions, answered.
Gross or net revenue?+
Both, labeled, with the take rate connecting them to volume.
How much does a pitch deck cost here?+
A written Deck Audit is $1,500. Investor Finish, a design rebuild of up to 15 slides, is $3,500. Finish + Story, with the argument restructured, is $6,500. Raise Set, up to 30 slides with a one-pager and teaser, is $10,000.
How long does it take?+
Three business days for an audit, five for Investor Finish, eight for Finish + Story and twelve for Raise Set, counted from payment and a complete brief.
Is there a call?+
No. No package includes a call or meeting. You brief us in writing and comment in writing.
What do I need to send?+
Your draft deck in any editable format, or notes if you chose a package with writing, plus a few lines on who will read it and what you are asking for.
How do I pay?+
By card, through a secure payment link we send once scope and delivery date are confirmed in writing.
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Further reading
Sources we read when writing this page. General information only; not legal, tax or investment advice.
Have a draft? Send it today.
Choose a package, link your deck and write a few lines about who it is for. You get scope, a delivery date and a payment link in writing.