Opening finco…
Opening finco…
finco reads 12 months of your Stripe ledger with a read-only key, finds the fees you can cut, and shows what causes each one and how to fix it.
$199 per audit. Once. No subscription.
We’ll email a sign-in code. Start your audit from your dashboard.
Largest single estimate — estimates overlap and are not additive. Fees flagged for review are spend findings, excluding processing fees and modeled savings; they are not a savings estimate.
Enable relevant local payment methods (e.g. iDEAL, Bancontact, SEPA Direct Debit) in Checkout/Payment Element for those markets.
| Opportunity | Per year | Basis |
|---|---|---|
| International card surcharges | $4,880.12 | estimated |
| Instant payout fees | $1,940.00 | exact |
| Dispute costs | $1,120.00 | exact |
| Category | Items | Total |
|---|---|---|
| Card processing | 8,412 | $39,412.60 |
| International + FX est. | 1,203 | $4,880.12 |
| Instant payouts | 52 | $1,940.00 |
| Disputes | 14 | $1,120.00 |
| Refund fees | 311 | $857.72 |
| Total | 9,992 | $48,210.44 |
to the cent
Every opportunity ranked by what it is worth a year, with the cause behind it and the first step to fix it. Estimates are labelled estimated and never added together.
Every fee attributed to what caused it — card processing, international, FX, instant payouts, disputes, refunds. Currencies are reported separately and never summed together.
Anything the engine cannot classify gets its own line and signed net amount. It is never folded into a category that merely looks plausible.
Laid out to reconcile line by line against Stripe’s own Balance summary report.
How each number was derived, so your finance team can verify the work rather than trust it.
Enter your email and we send a six-digit code. There is no password to remember.
Each audit costs $199, once. Your dashboard holds every audit you run.
Create a restricted key in Stripe with Balance, Charges and Payouts set to Read. We use it for one pull and never store it.
It ranks what you can save, says what causes each fee, and gives the first step to fix it. Mark fixes done from your dashboard as you make them.
We accept rk_ restricted keys and refuse secret keys outright. Read access cannot move money, issue refunds, or change anything in your account.
The key lives in the memory of a single request. It is never written to our database, our logs, or any email we send.
Delete the key in your Stripe Dashboard once your report arrives. Nothing on our side depends on it afterwards.
One audit of the last 12 months: what your Stripe fees cover and which changes could reduce them — in a report you can hand to your finance team.
We’ll email a sign-in code. Start your audit from your dashboard.