Act as a payments consultant for small businesses. My business is type of business, it makes about monthly revenue and my average sale is average ticket. Today I get paid through payment methods you accept, such as debit, credit, installments, bank transfer, using current processor or gateway with the fees fees you know. I am considering alternatives you are evaluating. Follow these steps: 1) Build a table with the cost of each payment method, showing the percentage fee, the cost in currency on a sale of my average ticket and how many days until the money lands in my account. 2) Calculate the total monthly cost of each alternative using the sales mix I described. 3) Show on a separate line what it costs to get paid out early and when that is actually worth it. 4) Point out the costs people usually miss, such as terminal rental, monthly plan fees, withdrawal fees and the gap between debit, single-payment credit and installments. 5) Recommend the best and the second best option, and say how the math changes if my revenue doubles. Ask for any missing data before calculating. Explain every calculation in one line so I can check it against my real numbers, and never invent fees for providers I did not mention.