Founder and editor
Md Sayful Islam is a web developer from Bangladesh who has built and run websites since 2017. He also runs Themeve, a store that sells WordPress themes and plugins, some of them by subscription. He researches every Billing Model guide from primary sources such as accounting standards, card-network rules and platform documentation, and links to them in each article.
LTV in SaaS estimates the margin one customer brings before they cancel. Here is the simple formula, a worked example, a cohort-based alternative and the usual mistakes.
9 min read
Square payment processing fees are a percentage plus a fixed amount that depends on how the card is taken. Here are the published US rates and the math on three sale sizes.
10 min read
Payable upon receipt means the invoice is due as soon as the customer receives it. Here is how buyers treat the term, when it fits and how to word it.
10 min read
A recurring credit card payment is a scheduled charge to a card the customer agreed to keep on file. Here is how the first payment, later charges, tokens and disputes work.
10 min read
A cost-based pricing example worked in full: a $40 variable cost and $240,000 of fixed costs become a $100 price, with markup, margin and break-even.
10 min read
ARR in SaaS is the yearly value of the subscriptions a company has on a given date. See what counts, when MRR × 12 misleads and how one contract produces four different numbers.
10 min read
PayPal processing fees for a US business are a percentage plus a fixed fee that depends on how the customer pays. Here are the published rates and the math on three sales.
10 min read
The payment term net 45 makes an invoice due in full 45 days after the invoice date. Here is how to count it, who asks for it and what the wait costs.
10 min read
A monthly recurring charge (MRC) is the fixed amount billed each month under a service contract. See how it differs from NRC and usage, with a worked first invoice.
10 min read
Competitor-based pricing sets your price by reference to rivals. A worked example builds the benchmark, picks a position and tests it against a price cut.
10 min read
No official average churn rate for SaaS exists. Here is what listed software companies disclose, how to put the figures on one scale, and how to build your own benchmark.
10 min read
Debit card processing fees are lower than credit card fees only when your pricing passes the saving through. Here is what a debit sale costs and what decides it.
11 min read
