Dough — Proposal Builder

proposal builder

Statement → print-ready proposal

Start from

📖 Agent guide — build one in 60 seconds

Pick the proposal type. Not sure? Leave Good/Better/Best — it shows a safe option, a transparent option, and the zero-cost close.
Merchant & owner — business name, owner's name, who they process with now. This addresses the proposal.
Your info — set it once; it sticks even when you start a new proposal. It prints top-right and on the call button.
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.
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.
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 Cost Plus$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

Good / Better / Best — three options side by side (default)? Simple Rate — one transparent CP / CNP rate? Interchange Cost Plus — wholesale + one visible markup? Rate Saver (Surcharge) — 0% credit, flat debit? Dual Pricing — posted cash / card prices? Cash Discount — service charge, discount for cash?

Good

Better

Best

2 Merchant & owner ?

Business name

Address / location

Owner first name

Owner last name

Owner email

Owner phone

Current processor

Platform / integration?

3 Agent — prepared by ?

First name

Last name

Title

Phone

4 Statement basis & volume ?

⬆ Drop statements here — or click to browse

PDF, scan, or photo · multiple months OK · junk-fee audit included?

Months of statements?

Basis period

Pull these three figures straight off the statement — "$" and commas are fine.

Monthly card volume ($)?

Monthly transactions?

Current monthly fees ($)?

Junk-fee callout (optional — prints on the proposal)?

I verified volume, transactions & fees against the statement?

5 Card mix assumptions

Bundled / flat-rate statements don't show interchange — these assumptions drive the cost model and are disclosed in the fine print. Confirm before sending.

Debit share — 40% (credit = 60%)?

Card-not-present share of credit — 30%?

Higher CNP → higher modeled cost. The card-present strategy (Tap to Pay / reader) is what lowers this.

6 Dough pricing

Defaults are Dough's published rates (dough.cc) and the printed markup bands. Pick a suggestion or key a custom figure.

Simple Rate

Card-present %

Card-not-present %

Per-txn ($)?

Interchange Cost Plus

Markup (bps)

Per-txn ($)

Auto-suggest from Dough volume bands?

Rate Saver (Surcharge)

Debit rate %

Debit per-txn ($)

Surcharge %?

Program fee ($/mo)

Dual Pricing & Cash Discount

Dual card price %

Dual fee ($/mo)

Dual per-txn ($)?

Cash Discount %

Cash Disc. fee ($/mo)

Include DoughConnect Pro — /mo Include "Backed by Dough" guarantees strip?

▸ Modeled interchange (advanced)

Bucket

Rate %

Per-item $

Debit — regulated? Debit — exempt? Credit — card present Credit — CNP Dues & assessments

Regulated share of debit — 65%?

Estimates for the Interchange Cost Plus model. Tune to match the card-brand tables you work from; every value is disclosed in the fine print.