1. Your transactions file
Shopify admin → Finances → Payouts → Transactions → Export → CSV. Columns such as “Transaction Date”, “Type”, “Order”, “Card Brand”, “Card Source”, “Amount”, “Fee”, “Net”, “Payment Method Name”, “Presentment Currency” and “Currency” are matched without regard to case; missing optional columns are fine.
Choose a file or paste its text, then click Analyze.
Result
Fee waterfall by transaction type
| Type | Rows | Amount | Fees | Net |
|---|
Effective rate by card brand
| Card brand | Charges | Sales | Fees | Rate |
|---|
By card source (domestic, international, wallets)
| Card source | Charges | Sales | Fees | Rate |
|---|
By payment method
| Payment method | Charges | Sales | Fees | Rate |
|---|
Domestic vs international, and foreign-currency checkouts
| Group | Charges | Sales | Fees | Rate |
|---|
By month
| Month | Charges | Sales | Charge fees | Rate | Refunds | Net |
|---|
What if…
Editable arithmetic on your own file. These are rates you type, not Shopify's current rates; check your plan for what actually applies.
The model, and what it leaves out
- Every row lands in exactly one bucket: charge, refund, dispute, dispute won, adjustment, reserve, other, and payout. Payouts move money already counted, so they are excluded from fees and from the net total. Rows the tool cannot read are listed with their line number and the reason.
- The fee on a row is Amount minus Net, so it does not matter whether the file writes fees as positive or negative.
- The effective rate is fees on charges divided by the amount of charges. Refund cost is the fee on the refunded share of the original charge (matched by order number) that was not returned; refunds with no charge in the file are estimated at the overall rate and labelled.
- Domestic vs international is read from the Card Source and Payment Method Name text; wallets are shown separately and left out of that split. The foreign-currency premium is how much more the charges presented in another currency paid than same-currency charges in this file.
- Not modelled: your Shopify plan price, third-party gateway fees, app charges, taxes, shipping labels, cost of goods, and sales that did not go through Shopify Payments.
Common questions
Can I see my real Shopify Payments fee rate without paying for a tool?
Yes. In your Shopify admin go to Finances, then Payouts, then Transactions, and export the transactions as CSV. Drop the file in here and the tool adds up every charge, fee, refund and dispute and gives you the effective rate overall and by card brand, card source and payment method. Nothing is uploaded.
Why is my effective rate higher than the plan's headline rate?
Headline rates cover a domestic card on a same-currency order. International cards, currency conversion, American Express, small orders (where the fixed per-transaction fee is a large share) and dispute fees all push the blended rate above it. The waterfall shows which of them is doing it in your own file.
Do I get the processing fee back when I refund an order?
Generally no: the sale is returned but the fee on the original charge is not, so every refund costs the fee on top of the lost margin. The tool matches each refund to its charge by order number and shows the fee you did not get back. Check your current Shopify terms, as they can change.
What does a chargeback cost?
The disputed amount, a dispute fee, and, if you win, a reversal of the amount. The tool lists dispute count, dispute fees, reversals won and the net cost, and the dispute rate as a share of charges.
How does the what-if work?
Two editable what-ifs. One applies a percentage plus a fixed amount per charge that you type to every charge in the file and shows the difference. The other moves volume from international to domestic cards at the rates each paid in your file. They are arithmetic on your numbers, not Shopify's current rates.
What does the tool not see?
Your Shopify plan price, third-party gateway fees, app charges, taxes, shipping label costs, the true cost of goods, and anything sold outside Shopify Payments. Rows with types it does not know are shown in an “other” line so they are visible rather than lost.
Is this financial advice?
No. It applies arithmetic to the file you provide and does not replace your own records or a qualified accountant.