Track Payment Processing Fees Across All Providers
Your P&L shows "payment fees" as one blurry lump. Without per-provider, per-method fee tracking you cannot negotiate, cannot route volume to cheaper rails, and cannot see when a provider quietly changed pricing.
We turn silent margin leakage into a controllable cost centre.
Sound Familiar?
These are the exact issues CFOs and ecommerce finance leads bring us before fee tracking:
- Your P&L shows one blurry line for "payment fees", with no split by PayFast, Yoco, Peach, or Ozow
- Card at 3.2%+R2 and Instant EFT at 2.0% look the same in the books, so nobody steers checkout
- Finance spends hours each month stitching CSVs from three dashboards just to guess the effective MDR
- A provider quietly changes pricing or you stay on legacy rates, and nobody notices for a quarter
- International cards carry FX markup of 1.5–3% on top of advertised rates, buried in settlement files
On R200,000 monthly volume, published SA gateway stacks already diverge by more than R1,400 a month before FX, refunds, or payout fees. Scale that to R2M+ GMV and the gap is a board-level cost, not a rounding error.
What Payment Fee Tracking Actually Does
Settlements land → fees normalise → effective MDR updates → finance acts. No more spreadsheet archaeology.
Settlements Ingested
Daily fee and volume feeds from every gateway you already use
Fees Normalised
Card, Instant EFT, BNPL, FX, refunds, and payouts mapped into one ledger
Effective MDR Reported
Per provider, per method, with alerts when rates drift or volume tiers unlock
Negotiate & Route
Finance walks into renegotiations and checkout decisions with hard numbers
Everything You Need for Fee Tracking Reporting
Multi-Provider Fee Ingestion
Pull settlements and fee line items from PayFast, Yoco, Peach, Ozow, Stitch, and Stripe into one normalised fee ledger every day.
Effective MDR by Provider
See true cost as total fees ÷ volume per gateway and per method, not the advertised sticker rate on the sales page.
Method Mix & Routing Insights
Compare card vs Instant EFT vs Capitec Pay share against fee cost, so you know where checkout steering actually pays.
FX & Cross-Border Visibility
Surface FX markup and cross-border assessments that sit on top of domestic MDR, so international volume stops hiding margin leak.
Variance & Rate-Change Alerts
Flag when effective rates drift, a provider invoice jumps, or volume qualifies for negotiated tiers you are not yet on.
Finance-Ready Reporting
Monthly board packs and accounting exports that turn payment fees into a controllable cost centre, not a mystery line.
Providers We've Connected for Fee Analytics
From 3.3% Effective MDR to 2.8%
How a Cape Town ecommerce brand processing R2.1M a month recovered R126K in year one once fee tracking made every rand visible.
The Blurry P&L Line
- PayFast, Yoco, and Peach fees dumped into one "bank charges / payment fees" account
- Finance spent ~8 hours a month reconciling three CSV exports by hand
- Instant EFT was only 18% of checkout despite a ~1.2pp fee advantage vs cards
- International cards carried FX markup nobody measured against mid-market rates
- Effective MDR sat at 3.3% with no owner accountable for the drift
The Controllable Cost Centre
- Daily ingestion shows fee cost by provider and method before month-end
- Board pack flags Instant EFT and Capitec Pay as the cheapest rails for SA cards-avoidable volume
- Volume proof unlocked negotiated PayFast gateway pricing above R50k monthly average
- Checkout prompts raised Instant EFT share from 18% to 34%
- Effective MDR fell to 2.8%; statement reconciliation dropped to under an hour
Before vs After Fee Tracking
How It Works
From first conversation to live fee reporting in 2–4 weeks.
Map Your Providers
Which gateways you use, how settlements land, and what finance currently sees on the P&L.
Free Scoping Call
30-minute call to sample statements, estimate leakage, and design the fee tracking feed.
Build & Validate
We ingest live settlements, reconcile against provider invoices, and run parallel for a month-end cycle.
Go Live & Monitor
Dashboards and alerts go live. You negotiate and route with evidence, not gut feel.
Frequently Asked Questions
How is this different from choosing a cheaper payment gateway?
Gateway comparison is a one-time selection decision. Fee tracking is ongoing analytics across the providers you already use: per-provider effective MDR, method mix, FX leakage, and rate-change detection. Most mid-size merchants run two or three gateways at once; without tracking, you cannot negotiate or route intelligently.
Which payment providers can you pull fee data from?
We regularly ingest PayFast, Yoco, Peach Payments, Ozow, Stitch, Stripe (for multi-market merchants), PayGate, and Netcash. If a provider exposes settlements via API, CSV export, or statement feed, we can include it.
What is effective MDR and why does it matter more than the advertised rate?
Effective MDR is total fees divided by total volume for a period. Advertised rates (for example PayFast at 3.2% + R2, or Yoco Online at 2.95% + R2) ignore flat fees, refunds, payout charges, international premiums, and FX markup. Effective MDR is the number that belongs on your cost centre report.
Will this replace our accounting system?
No. The feed normalises fee data and exports into Xero, Sage, or your BI stack as a clear cost centre. Your chart of accounts stays intact; payment fees simply stop being a single unexplained lump.
How quickly do we see savings?
Visibility is usually live within 2–4 weeks. Recovered margin follows once you renegotiate, qualify for volume tiers, or shift more checkout volume onto Instant EFT and Capitec Pay where the fee gap is about 1.2 percentage points versus cards on PayFast Aggregation.
How much does payment fee tracking cost?
Typical builds run from about R25,000 for a two-provider feed with monthly reporting, up to R45,000–R60,000 for multi-provider ingestion, FX breakdown, and board-ready dashboards. On R2M+ monthly GMV, a 0.3–0.5 percentage point drop in effective MDR usually pays for the project within one to two months.
Stop Letting Payment Fees Hide in Your P&L
If processing fees are still a single unexplained line, you are negotiating blind and routing volume by habit.
Tell us which providers you use, roughly how much you process a month, and how finance currently reviews settlements. We will show you what automated fee tracking would surface in the first 30 days.