Daily versus weekly payments: which comparison is actually useful?
Frequency affects timing, account volatility, and the merchant’s experience even when a weekly equivalent looks similar. Which calculations should be shown?
10 replies
Show the actual debit, number of expected debits, weekly equivalent, and percentage of average deposits.
Use business-day assumptions explicitly because holiday weeks and short months can change timing.
Do not assume every daily product debits exactly five times each week; use the offer terms.
Is weekly always easier on cash flow?
No. Model timing against deposits. A larger weekly debit may create a sharper low point even if totals match.
The merchant should compare the schedule with payroll, rent, inventory, and actual deposit cadence.
A calendar view would make the timing difference easier to understand than one average number.
The calendar remains an estimate unless exact debit dates are contractual, so label it accordingly.
Include reconciliation or payment-adjustment terms only when they are sourced for that product.
Show actual frequency and normalized burden, then connect both to observed cash-flow timing.