Audit Stripe and PayPal domestic, international, FX conversion, and invoicing fees or reverse-calculate exact gross invoice amounts in 100% local browser RAM.
Exact Gateway Fee Breakdown, Effective Take-Rate % & Reverse Gross-Up Amount
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Supports CSV, JSON, TXT, XML & Log Streams
=SUMIFS(stripe_gross, SKU, A2) - VLOOKUP(A2, stripe_fees!A:D, 4, FALSE)⚠️ Why Manual Formulas Fail at Scale: Manual spreadsheet formulas break on multi-row stripe fee adjustments, tiered fees, and CSV delimiter shifts.
🛡️ Zero-Upload Local Studio Advantage: Run Stripe Fee calculations and CSV checks 100% locally in your browser.
Core capabilities built into GatewayFee Studio Local Engine
Passing fees to a client? Never multiply by 1.029. We compute the exact algebraic gross-up (Target + Fixed Fee) / (1 - Combined Rate) to the penny.
See why UK, EU, Canadian, and Australian buyer cards quietly cost 6.4%+ on Stripe once international card, currency conversion, and Billing fees stack.
Compare Stripe (2.9% + $0.30) against PayPal Commercial (3.49% + $0.49) across your actual AOV distribution to route checkouts profitably.
Audit thousands of balance transactions 100% locally in your browser RAM without granting restricted API keys or paying $65/mo.
Zero configuration, zero cloud server dependencies, instant execution.
Paste your transaction batch or target invoice amounts with domestic, international, or FX card flags.
Adjust the surcharge stack slider to see real-time effective fee percentages, net payouts, and exact reverse gross-up charges.
Download your reconciled gross-to-net payout report to book processing fee deductions in QuickBooks or Xero.
See why merchants and prosumers switch from monthly subscriptions to our local buyout.
| Feature / Metric | 🛡️ GatewayFee Studio | ☁️ Cloud SaaS (Synder) |
|---|---|---|
| Pricing Model 💳 | 🛡️ $19 One-Time Lifetime Buyout (€3.99 Pass) | ☁️ $65–$149/mo Tiered Transaction SaaS |
| Stripe & PayPal API Privacy 🔒 | 🛡️ 100% Local Browser RAM (Zero API Keys) | ☁️ Requires Live Stripe/PayPal OAuth Access |
| Reverse Gross-Up Precision 🧮 | 🛡️ Exact Algebraic Gross-Up Across Intl/FX | ☁️ Basic Domestic-Only Estimate |
| Intl (+1.5%) & FX (+2.0%) Audit 🌍 | 🛡️ Full Surcharge Stack Breakdown | ☁️ Lumps All Fees Into Opaque Totals |
Eliminate vendor lock-in and cloud upload security risks.
Independent merchants and agencies shouldn't pay $65/mo with transaction volume caps just to split gross sales from Stripe fees.
Free single-box calculators only compute domestic 2.9% + $0.30 and completely miss +1.5% international cards, +2.0% FX, and +0.7% Stripe Invoicing.
Connecting third-party cloud apps to your live Stripe or PayPal account exposes your entire customer billing history.
Deep technical breakdown driving our client-side productivity engine.
Processes GatewayFee Studio Local Engine structures directly inside isolated browser memory.
Ensures zero GatewayFee Studio Local Engine bytes touch external API servers or third-party storage.
Parses high-throughput GatewayFee Studio Local Engine records in real-time with sub-50ms response times.
Complete commercial data sovereignty with standalone offline capability.
No monthly bills. No sneaky price hikes. Pay once, use forever.
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Everything you need to know about privacy, local memory execution, and buyouts.
Never just add 2.9% + $0.30 to your invoice, because Stripe charges 2.9% on the added fee too. Use the algebraic reverse gross-up formula: Gross Charge = (Target Net Amount + $0.30) / (1 - Total Fee Rate). For a $1,000 net payout at 2.9% + $0.30, charge ($1,000 + $0.30) / 0.971 = $1,030.18.
Stripe's 2.9% + $0.30 rate applies only to domestic cards in your settlement currency. If an international buyer pays with a foreign card (+1.5%) in another currency (+2.0% FX conversion) via a hosted Stripe Invoice (+0.4% to +0.7%), the combined fee reaches 6.8% to 7.1% + $0.30.
No. Neither Stripe nor PayPal refunds the original processing fee (2.9% + $0.30 or 3.49% + $0.49) when you refund a customer order—meaning a refunded $200 international order costs you up to $13 in sunk gateway fees.
Standard US Stripe card processing is 2.9% + $0.30, while standard PayPal Checkout is 3.49% + $0.49 (and 2.99% + $0.49 for standard credit/debit fields). On a $100 domestic order, Stripe costs $3.20 vs $3.98 on PayPal Checkout.
Never. GatewayFee Studio runs 100% locally inside your browser memory. Your transaction CSVs and client invoices never leave your device.
While Synder ($65+/mo) and Bookkeep charge recurring monthly subscriptions with strict transaction tier limits, GatewayFee Studio is a one-time $19 lifetime buyout for unlimited local batch fee auditing and reverse gross-up calculations.