The problem
Stripe says 2.9%. Your real fee rate is probably higher.
Upload your Stripe Balance CSV and see whether your fee rate is normal, what is driving it up, and how much refunds may be leaking from margin.
Independent feedback
“Focused single-purpose tool with a compelling privacy differentiator.”
Assaf Sheinrok, Founder of PagePulse · PagePulse
CSV upload, not OAuth
Many fee tools ask for permanent read access to your Stripe account — transactions, customers, payouts. We never connect to Stripe: you export a Balance CSV, upload it, get the report. Raw CSV is processed in memory and not stored as a file.
Stripe Fee Auditor
Never stored — no API keys
OAuth-based tools
Stored on vendor servers
Stripe Fee Auditor
No ongoing connection
OAuth-based tools
Permanent until you revoke OAuth
Stripe Fee Auditor
Only what you export in CSV
OAuth-based tools
Full account via API
Stripe Fee Auditor
$12 one-time per report · free preview first
OAuth-based tools
$39–149/mo subscriptions
The solution
One upload turns your Balance CSV into plain-English metrics — no OAuth, no permanent Stripe access.
Example output
Processed
$18,420
Stripe fees
$642.18
All-in cost rate
3.49%
Benchmark
Normal
Savings
~$720/yr
The report turns a raw Balance CSV into a plain-English answer to: is this rate normal, what is driving it up, and what should I look at first?
Calculator vs reality
Fee calculators estimate. Your Stripe CSV tells the truth.
A calculator is useful before you sell. Once payments are live, your Balance export shows the real mix: international cards, refunds, small charges, payout fees, and monthly drift.
Fee calculator
Estimate the published cost
- ✓Uses product price and rough assumptions
- ✓Good before you launch or change pricing
- ✓Misses refunds, card mix, add-ons, and real monthly drift
CSV fee audit
Check what you actually paid
- ✓Uses your itemized Stripe Balance export
- ✓Separates processing rate from all-in Stripe cost
- ✓Shows fee drivers, unusual charges, and savings ideas
What the report tells you
Not just a number — a full breakdown
Processing rate vs all-in cost
Separate the card/charge processing rate from the all-in Stripe cost rate across refunds, payouts, disputes, and other fee lines.
Is your rate normal?
A rough benchmark range for your transaction mix, so you can see whether your rate is expected or unusually high.
Why your rate is higher
International cards, small transactions, Amex, currency conversion — pinpointed by transaction.
Refund fee leakage
Estimate how much retained processing fees on refunds are quietly eating into margin.
Savings opportunities
Directional annual estimates for ACH, local payments, or bundling — prioritization, not guaranteed savings.
In real Stripe exports
What we often find
Not always a problem — often mix, refunds, or small-ticket math worth a second look.
International cards quietly adding cross-border fees
Small $5-$20 charges where the fixed $0.30 fee dominates
Months where your fee rate jumped without an obvious reason
Large B2B invoices that could be cheaper via ACH
A ~4% all-in Stripe cost rate that may be normal — or a sign something is leaking margin
Is it worth it?
When a fee audit is useful — and when to skip it
Start with a free preview — headline rate, top drivers, and a teaser. The $12 unlock is for founders who want line-level drivers, refund leakage, monthly detail, exports, and specific savings ideas.
Worth checking
- ✓You process more than a few thousand dollars per month
- ✓Your customers are international or pay in multiple currencies
- ✓You have many $5-$20 monthly charges
- ✓You refund customers often and want to see retained fee impact
Probably okay to skip
- •You only have a handful of Stripe transactions
- •All customers are domestic and high-ticket
- •You only need a rough blended rate you can calculate in Excel
- •You need accounting or tax advice instead of a fee audit
What you'll discover
Processing rate
3.82%
Weighted avg across charges
All-in cost rate
4.02%
Includes other fee lines
Benchmark verdict
Normal
Normal range for your mix
Refund leakage
~$91
Estimated retained fees
How it works
Three steps to clarity
Export your CSV
Stripe Dashboard → Reports → Balance summary → Export → Itemized → Download to system. Takes about a minute. No API access needed.
Drop it here
Raw CSV is never stored. Upload once for a free preview immediately — no card required. Unlock the full report for $12 when you want high-fee charge details, exports, and savings actions.
See your real rate
Processing rate, all-in cost, fee mix chart, monthly timeline, benchmark, high-fee charges when your volume allows, and savings ideas.
Next: Fee Monitor
Want to know when your fee rate gets worse next month?
We are validating monthly Stripe fee monitoring without OAuth: private report history, month-over-month comparisons, and reminders from CSV exports you control.
- ✓Compare this month vs your previous CSV audit
- ✓Get a reminder when it is time to check fees again
- ✓No permanent Stripe connection in the first version
Pricing
Simple access to your report
Free preview
No card required
Headline processing and all-in rates, top fee drivers, monthly timeline, and a teaser — enough to reconcile against Stripe before you pay.
Full report
$12 one-time
All unusual charges with explanations, savings actions, monthly detail, CSV export, and print-ready report — private link for 30 days.
Refund available if payment succeeds but the report does not unlock.