--- title: "Try our new Merchant Economics Calculator | NjiaPay" canonical_url: "https://njiapay.com/resources/tools/merchant-economics-calculator" last_updated: "2026-09-02T13:08:47.072Z" meta: description: "Estimate in two minutes how much revenue smarter payment routing, automatic retries and card updates could recover for your South African business each year." "og:description": "Estimate in two minutes how much revenue smarter payment routing, automatic retries and card updates could recover for your South African business each year." "og:title": "Try our new Merchant Economics Calculator" --- ![Merchant Economics Calculator](https://cdn.sanity.io/images/7xfql800/production/b4820a3e9657354dfe29a0320b7171f8a6a79b6d-3456x1726.png?w=1280&h=720&fit=max&auto=format) 2 Sept 2026 # **Merchant Economics Calculator** Failed payments are easy to overlook. A card that expired, a bank that declined a good transaction, a renewal that quietly stopped going through. Individually they look like noise, but across a year they add up to real revenue that never reaches you. Our new Merchant Economics Calculator gives you a sense of the size of that number. Answer a handful of questions about your business; roughly what you process, how often payments fail, whether you bill customers on a recurring basis and it estimates what NjiaPay could help you recover, broken down by the feature doing the work. It takes about two minutes, there is nothing to install, and you are under no obligation to talk to us afterwards! [Open the Merchant Economics Calculator](https://njiapay.com/tools/merchant-economics-calculator) Estimates are based on South African industry benchmarks and typical results from the merchants we work with. Your actual recovery depends on your business model, provider mix and payment patterns. If you would like a figure grounded in your own data, get in touch and we will size it with you! ![Roderick Simons](https://cdn.sanity.io/images/7xfql800/production/7106f07ee949427ce1ee882e44e5711f0b9fbdb1-500x500.png?w=200&h=200&fm=webp) **Roderick Simons** CPTO & Co-Founder ยท NjiaPay