The problem
Your real Stripe fee rate is probably higher than 2.9%.
Stripe fee audit and effective rate calculator
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
Get monthly Stripe fee tips
One practical email per month: fee drivers, CSV checks, and payment-cost fixes. No spam.
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
Free preview first. Pay only when the CSV is worth auditing.
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 high-fee 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.
After your first report
Monitor — $9/mo
Monthly CSV reminders, rate drift checks, and private report history for founders who want the habit after seeing their first audit.
See Monitor details →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.