Educational scenario · Channel Distribution & Merchant Processing Margins
Direct Booking vs. OTA Modeled Economics Calculator.
Compare modeled host and guest amounts across Airbnb, Vrbo, and direct-booking assumptions. Review merchant processing, guest markups, software fees, and entered reserves without treating the result as guaranteed profit.
1. Average reservation parameters
The direct comparison subtracts an unspent reserve. Settlement cash in the journal is before that reserve; no reserve expense or cash payment is posted. Paid insurance is outside this model.
2. Modeled channel comparison
| Channel | Guest Total | Channel Fees | Modeled Host Amount |
|---|---|---|---|
| Airbnb (Split-Fee) | $0 | -$0 | $0 |
| Vrbo (Commission + Card) | $0 | -$0 | $0 |
| Direct Booking (Stripe + Direct) | $0 | -$0 | $0 |
The guest-fee comparison uses the configured illustrative rate on rent plus cleaning. No guest discount is assumed. Actual provider pricing and results vary.
Illustrative Processor-Settlement Entry
Illustrative processor-settlement entry; no Roxby Stripe connector is implied:
Direct-Booking Assumptions and Records to Review
Merchant Processing vs. Platform Cut
This model uses the displayed processor assumption of 2.9% + 30¢ and Vrbo host assumption of 8%. Actual provider pricing, reserves, refunds, disputes, taxes, and software costs can change the comparison; verify current provider terms.
Working Capital & Chargeback Reserves
Refunds, disputes, reserves, and settlement timing vary by channel and provider. Enter a reserve assumption for comparison and review actual processor terms and cash-management needs.
Direct Damage Protection Replacement
Platform protection and direct-booking damage coverage have separate terms, exclusions, claims processes, and accounting treatment. Review current provider terms and appropriate reserves or deposits with qualified advisers.
Processor Records and Reporting Review
Information reporting, gross-receipt presentation, merchant-fee treatment, and form placement depend on current thresholds and taxpayer facts. Reconcile processor records and review treatment with your CPA.
Multi-channel bookkeeping
Bring supported channel records into one review.
Roxby supports customer-recorded direct-booking financial facts and supported source records; Stripe merchant-settlement synchronization is not included.