Costs · P&L line 23
Transaction fees
What the payment provider keeps from every charge.
Formula
% of charged amount + fixed fee per transaction
Almost every provider charges a percentage of the amount plus a fixed fee per transaction, and the rates differ by provider, by card type and by country.
Two details decide whether the number is right: an order split across two payment methods is charged by both, and providers do not hand their fee back when you refund.
The fixed part is why falling average order value quietly raises your effective fee rate.
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