BNPL & COD Margin Calculator
What you actually keep on a Buy-Now-Pay-Later or Cash-on-Delivery order once the provider fee, courier and returns are counted.
Above this return rate, the average shipped order loses money.
Assumes a returned product comes back resalable. If it comes back damaged or lost, add the product cost to the return loss.
Sources: BNPL shape verified 2 Nov 2026 (3 interest-free instalments over ~60 days; provider pays the merchant in full minus an unpublished commission and carries collection risk). No published Koko or Mintpay merchant rate was found anywhere public — that is why this tool has no presets. Note: the 9% figure some sellers quote for Koko is a merchant surcharge passed to customers, not Koko's commission — do not enter it as the fee.
Bilingual LKR invoices with VAT/SSCL, bank details, PDF download and WhatsApp share.
Trilingual business cards with a QR contact code, PNG download, .vcf file and WhatsApp share.
Materials + labor + overhead → unit cost and selling price for multiple products.
Questions
Because neither Koko nor Mintpay publishes its merchant commission anywhere public. Any calculator that ships with a Koko or Mintpay rate is guessing. Enter the rate from your own provider agreement — that is the only number that matters for your margin.
Then the return costs you the product too. This tool assumes the product comes back resalable, so add the product cost to the return loss in your head — or treat the break-even return rate shown here as optimistic.
Yes, minus their commission — the provider carries the collection and fraud risk, and pays the merchant on their own cycle (Koko pays twice a month). What you lose is the commission, not the sale value.
100% free · No sign-up · Works offline · Private by design