Dough.cc Proposal Builder

Statement → print-ready proposal

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📖 Agent guide — build one in 60 seconds
  1. Pick the proposal type. Not sure? Leave Good/Better/Best — it shows a safe option, a transparent option, and the zero-cost close.
  2. Merchant & owner — business name, owner's name, who they process with now. This addresses the proposal.
  3. Your info — set it once; it sticks even when you start a new proposal. It prints top-right and on the call button.
  4. Statement figures — drag & drop one or several months of statements (PDFs, scans, or photos — Claude Opus reads and averages them), or key the three numbers. Hover any ? for where to find them.
  5. VERIFY before sending — check the filled figures against the statements, tick "I verified" (Confirm & teach does it for you). Print warns if you skip it.
  6. Check the chips next to Print — Agent, Owner, Figures, Verified, and Fit all ✓ means it's ready to send.
Which program when?
Good/Better/BestDefault. Lets the owner choose; Best is the zero-cost close.
Simple RateOwners who hate surprises; flat-rate refugees (Square, AR Pay).
Interchange+$50K+/mo, B2B, bigger tickets, transparency shoppers.
Rate Saver#1 complaint is the fee line; OK passing 3% to cardholders. Check state rules.
Dual PricingCash-friendly businesses; posted cash/card prices; $0 processing.
Cash DiscountSame zero-cost outcome, framed as a discount for cash.
Hover any line on the proposal preview to see the exact math behind it.
⛔ Low ticketsAvg ticket under $15.00 with no per-transaction fee needs management approval — the builder flags it in red automatically.
1 Proposal type
2 Merchant & owner ?
3 Agent — prepared by ?
4 Statement basis & volume ?
📄 Reading the statement — find the three numbers

The whole proposal runs on three figures. Here's where they hide.

1 · Monthly card volume. Usually page 1: "Total Sales," "Amount Submitted," or "Total Processed." Use the month's card volume, not deposits — deposits are volume minus fees.

2 · Monthly transactions. "Items," "Count," or "# of Transactions." Never use batch count — a batch holds many transactions.

3 · Current monthly fees. Everything they paid: the fee-section total, "Total Fees Charged," or processing + monthly + PCI + statement + equipment added together. Missing fees = overstated current cost is impossible — you can only understate it and shrink your own savings number. Count it all.

By statement style:

  • Itemized (Global, Fiserv, Worldpay, TSYS): fee section is usually the last pages; card-type table shows real debit vs credit — use it in Card mix.
  • Bundled flat-rate (Square, Stripe, AR Pay, Toast): one rate, no interchange shown. If there's no fee total: fees = gross volume − net deposits.
  • Multiple months: enter monthly averages, or enter the summed totals and tick the divide box. The basis period should read like a range ("March–May 2026").

Junk-fee hunt. PCI non-compliance ($19.95–$34.95), statement/batch fees, "annual," "technology," or "infrastructure" charges, monthly minimums. Put them in the Junk-fee callout — they print on the proposal as money Dough hands back.

Sanity check. Effective rate = fees ÷ volume. Card-present retail under ~2.3% is a tough flip; 3%+ is a real target; 5%+ means junk fees are hiding — go find them.

The AI reader is fast, not infallible. Tick "I verified" because you checked, not because the box is there.

PDF, scan, or photo · multiple months OK · junk-fee audit included?
or or
Pull these three figures straight off the statement — "$" and commas are fine.
5 Card mix assumptions
🃏 Card mix — what to assume when the statement won't say

These two sliders drive the modeled cost on Interchange+ and the debit line on Rate Saver — and they're disclosed in the fine print, so they need to be defensible, not perfect.

First choice: don't assume. If the statement itemizes card types (most Global/Fiserv-style statements do), real debit ÷ total volume is your debit share. Use it.

When it's bundled, start here:

Counter typeDebit shareCNP share of credit
Grocery, convenience, QSR, everyday retail55–65%2–10%
Restaurants, bars40–50%5–10%
Salons, med/wellness, services25–40%20–45% (card-on-file pulls it up)
Field service & trades (invoice + on-site)20–30%30–45%
B2B, professional, invoice-first10–20%55–80%

The lever: card-not-present costs more everywhere. Tap to Pay or a reader turns keyed card-on-file into card-present — that's the strategy that moves this slider, and the pitch that comes with it.

When in doubt, assume against yourself — a notch more CNP, a notch less debit. A proposal that over-delivers survives the first real statement; one that under-delivers doesn't survive the first phone call.

Bundled / flat-rate statements don't show interchange — these assumptions drive the cost model and are disclosed in the fine print. Confirm before sending.
Amex volume is priced from the Fiserv OptBlue schedule — the tier comes from the average ticket, so the business type below matters. If a scanned statement fills the Amex actuals, those win and this slider is ignored.
Higher CNP → higher modeled cost. The card-present strategy (Tap to Pay / reader) is what lowers this.
6 Dough pricing
💰 Setting the rates — win the deal, keep the account

Defaults are Dough's published rates and the printed markup bands. You're choosing inside guardrails — not inventing pricing.

Simple Rate — sell simplicity, not cheapness. 2.49% CP / 3.49% CNP are the published anchors; they rarely move. Per-txn stays $0 unless the ticket is small — then $0.10–$0.15 protects the account. Flat-rate refugees (Square, AR Pay, Toast) already like this shape.

Interchange+ — pick inside the band. Auto-suggest shows the band for the volume; stay in it. Lower bps looks sharp but must clear the desk; anything rich stops reading as honest cost-plus — and transparency is the product. Per-txn $0.06–$0.10 is normal. B2B with invoice data? That's the enhanced-data story (Visa CEDP / Mastercard Level 2-3) — data quality is the pitch.

Rate Saver — know the two hard lines. The merchant's whole cost is the debit line (1.50% + $0.25 standard) plus any program fee. The surcharge field is capped at 3% — never key 3.5 or 4 here; those belong to Dual/Cash. Debit and prepaid can never be surcharged, and some states restrict — when in doubt, check before you quote.

Dual Pricing vs Cash Discount — same outcome, different signage. Both end near $0 processing. Dual posts two prices (3.5% card price default). Cash Discount posts the card price and discounts at the register (3.5% default; Square placement boards run 4% under that program). Pick one frame and never mix the names in front of the merchant.

The $15 rule. Avg ticket under $15 with no per-txn fee flags red for management approval. The fix is a per-transaction fee — not a bigger percentage.

DoughConnect Pro. Software has to stay connected? That's the $65 line — and it prints on every option, always. That's policy, not a style choice.

If a number isn't in the guide or the portal, it isn't quotable. "I'll confirm and have it in writing tonight" closes more than a guess ever has.

Defaults are Dough's published rates (dough.cc) and the printed markup bands. Pick a suggestion or key a custom figure.
Simple Rate
Interchange+
Rate Saver (Surcharge)
Dual Pricing & Cash Discount
▸ Modeled interchange (advanced)
Bucket
Rate %
Per-item $
Estimates for the Interchange+ model. Tune to match the card-brand tables you work from; every value is disclosed in the fine print.