The problem
Find why your Stripe rate is higher than expected.
Stripe effective rate, refund leakage, and international card fees
Upload a Balance CSV and see the concrete drivers — not a vague "audit". Separate recurring leaks from one-off spikes. No OAuth. Raw CSV is not stored; we keep only redacted calculated results.
Independent feedback
“Focused single-purpose tool with a compelling privacy differentiator.”
Assaf Sheinrok, Founder of PagePulse · PagePulse
Founder feedback
“I never thought to audit payment costs from a Stripe Balance CSV. The preview made the fee drivers obvious; next month I will test the recommendations around international cards and small-charge drag, then compare the new export.”
Ivan Chernov
Get monthly Stripe fee tips
One practical email per month: fee drivers, CSV checks, and payment-cost fixes. No spam.
Estimate your real Stripe fee rate before uploading a CSV
Estimate your real Stripe rate before uploading CSV
No file needed. Pick your Stripe account country and rough volume mix to see a likely all-in range — then upload a Balance CSV to verify against real transactions.
~1,000 charges/month. Smaller averages make the fixed fee matter more; international share adds ~1.5% uplift on that volume.
Your likely all-in rate
4.0%–4.4%
Directional range for United States: domestic card pricing, international uplift, and a small buffer for refunds / add-ons.
Published 2.90% + $0.30
$1,750.00/mo
Effective: 3.50%
At mid of your range
$1,888.75/mo
$138.75 above published
Not a benchmark or a promise — a quick estimate before you export CSV. Real rates come from your Balance transactions.
Ready to verify? Upload an itemized Balance CSV and see processing vs all-in on your real data.
Analyze real fees from CSV →Chrome helper · early access
Chrome helper is ready. Web Store listing is pending.
It opens the Stripe Balance export flow, sends you back to analyze the CSV, and can remind you to repeat the fee check every month. No Stripe page reading, no OAuth, no API keys.
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, high-fee 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.
Case study
One sample export showed a 4.02% all-in Stripe cost
The four-month CSV showed $3,597.77 in Stripe fees, a 3.82% card processing rate, a 4.02% all-in cost, 447 high-fee charges, and up to ~$1,400/year in directional savings opportunities.
Quick fit check
Start with the free preview.
Useful if
You have international cards, refunds, small subscriptions, or a Stripe rate that feels higher than expected.
Skip if
You only have a few domestic high-ticket charges and just need a rough spreadsheet formula.
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
The CSV is sent to our server for analysis, but the raw file is not stored as a file. 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.
Pricing
$12 = one audit. $9/mo = watch it every month.
Free preview
No card required
Headline rates, top fee drivers, and — when found — a directional annual impact teaser (e.g. potential ~$1,400/yr). Enough to decide if a full unlock is worth $12.
One audit · $12
This CSV, once
Full high-fee rows, savings actions with caveats, monthly detail, CSV + print export — private link for 30 days. Pay once to inspect what the preview only teased.
Refund available if payment succeeds but the report does not unlock.
Monthly habit · $9/mo
Did it get worse?
Not another dashboard. A monthly reminder to upload a fresh Balance CSV, compare rate drift vs last month, and catch fee leaks before they feel normal. No Stripe OAuth.
- ✓ Monthly CSV reminder
- ✓ Rate drift checks (processing + all-in)
- ✓ Private report history as it ships
Narrow audit vs heavy tools
If the question is "why are Stripe fees high?", start smaller.
Spreadsheet
$0Good if you only need one blended-rate formula.
You rebuild monthly trends, high-fee rows, refund leakage, and exports yourself.
Broad SaaS analytics
$100+/mo at scaleGood when you need MRR, churn, cohort, and subscription analytics.
Often needs OAuth or deeper account access when your only question is payment fees.
Fee Auditor
$12 once or $9/moGood when you want a narrow Stripe fee audit from a CSV in minutes.
Focused on fee clarity, not a full subscription analytics suite.