Multi-gateway stores · Imports into nouz
Payment fee rules
Payment fee rules are what each gateway charges per transaction: a percentage of the amount plus a fixed fee. One row per provider is enough to compute what payments really cost you, and to see why smaller baskets quietly pay a higher effective rate.
The file
nouz-transaction-fees.csv · 5 columns · one example row
Every gateway prices the same way, a percentage of the charged amount plus a fixed fee per transaction, and the fixed fee is the half people forget. On a €25 order, €0,25 is a whole percent before the percentage even starts; on a €250 order the same fee is noise. That is why a falling average order value raises your blended rate while no rate changed anywhere.
Rates differ by gateway, by region and by your own agreement, so the example row is a starting point rather than advice. Read the numbers off your own statements and type what they actually charge; a rule built from someone else's rates is precision applied to the wrong number.
The effective_from column works like every cost date in nouz: a new row starts applying on its date, and history keeps the rule that was true then. To sanity-check a month, the Shopify payment fees calculator applies a rule like this to a real payment mix, and the glossary covers transaction fees and where chargebacks land.
How to use it
- 01Add one row per payment provider you accept, using the names your statements use.
- 02Copy the percentage and the fixed fee from your own agreement or latest statement.
- 03Set effective_from to when those rates started; add a new row when they change.
- 04Import into nouz under Costs, and every payment is charged with its own gateway's rule.
What is inside
| Row | gateway | percent | fixed_fee | currency | effective_from |
|---|---|---|---|---|---|
| 1 | Shopify Payments | 1.9 | 0.25 | EUR | 2026-01-01 |
| 2 | |||||
| 3 |
Every column, explained
| gateway | The provider, spelled the way your statements spell it. |
|---|---|
| percent | The percentage of the charged amount, as a plain number: 1.9 means 1,9 percent. |
| fixed_fee | The per-transaction fee. The half that punishes small baskets. |
| currency | Three-letter code, matching your shop currency. |
| effective_from | When this rule starts applying. Older payments keep their older rule. |