$12 one-time unlock for the full report · Free preview first. Analyze my CSV →
The problem
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.
✓No Stripe API access
✓Raw CSV never stored
✓No account signup
✓Usually under 30 seconds
Independent feedback
“Focused single-purpose tool with a compelling privacy differentiator.”
Assaf Sheinrok, Founder of PagePulse · PagePulse
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
OAuth-based tools
Stripe credentialsStripe credentials
Stripe Fee Auditor
Never stored — no API keys
OAuth-based tools
Stored on vendor servers
Access after analysisAccess after analysis
Stripe Fee Auditor
No ongoing connection
OAuth-based tools
Permanent until you revoke OAuth
Data you shareData you share
Stripe Fee Auditor
Only what you export in CSV
OAuth-based tools
Full account via API
Typical costTypical cost
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
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
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
2.9% + $0.30
CSV fee audit
3.82% / 4.02%
What the report tells you
RATE
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.
BENCH
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
Why your rate is higher
International cards, small transactions, Amex, currency conversion — pinpointed by transaction.
REFUND
Refund fee leakage
Estimate how much retained processing fees on refunds are quietly eating into margin.
SAVE
Savings opportunities
Directional annual estimates for ACH, local payments, or bundling — prioritization, not guaranteed savings.
In real Stripe exports
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 4.5% blended rate that may be normal — or a sign something is leaking margin
Is it worth 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.
What you'll discover
Processing rate
3.24%
Weighted avg across charges
All-in cost rate
3.49%
Includes other fee lines
Benchmark verdict
Normal
Normal range for your mix
Refund leakage
~$91
Estimated retained fees
How it works
1
Stripe Dashboard → Reports → Balance summary → Export → Itemized → Download to system. Takes about a minute. No API access needed.
2
Raw CSV is never stored. Upload once for a free preview immediately — no card required. Unlock the full report for $12 when you want anomalies, exports, and savings actions.
3
Processing rate, all-in cost, fee mix chart, monthly timeline, benchmark, anomalies when your volume allows, and savings ideas.
Next: Fee Monitor
We are validating monthly Stripe fee monitoring without OAuth: private report history, month-over-month comparisons, and reminders from CSV exports you control.
Pricing
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.
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