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Payments
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Payments
Finance automation
Platforms and marketplaces
Money management
Overview
Get started with Connect
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Manage your Connect platform
    Understand your Connect business
      Connect margin reports
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    Platform pricing tools
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HomePlatforms and marketplacesManage your Connect platformUnderstand your Connect business

Connect margin reports

Compute your margins by analyzing your Connect volume, revenue, and fees associated with activity where you're responsible for pricing and fees.

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The Connect margin reports show platforms their aggregated and transaction-level payment volumes, revenue, and fees associated with activity where the platform is responsible for pricing and fees. Use these reports to calculate your margins and set your fees appropriately given your underlying Stripe fees and network costs.

Platform support

These reports support platforms that:

  • Explicitly state an application fee, either directly in the API or through Platform Pricing Tools
  • Use transfer_data[amount]
  • Use Account Debits to monetize payments

Available margin reports

Report typeDescriptionUsage
SummaryPlatform-level aggregated view of Connect volume, revenue, and feesCalculate monthly margins for your platform
Connected AccountConnected account-level view of Connect volume, revenue, and feesIdentify which connected accounts drive margins up or down
TransactionTransaction-level view of Connect volume, revenue, and feesIdentify which transactions drive margins up or down
Example of a summary margin report

Summary margin report example

Access the margin reports

  1. Go to the Connect Margin Report page. It’s also available in the Reports hub in your Stripe Dashboard. Margin Reports are only available in live mode, not in testing environments, such as a sandbox.
  2. Using the month picker, select the time-period, then click Download on your desired Margin Report type. The report for a month is available 7 days after the end of that month.

User access

Users with the following user roles can access the Margin Reports:

  • Administrator
  • Analyst
  • Data Migration Specialist
  • Developer
  • Tax Analyst
  • View only

Margin report data

Margin reports include charges based on the timestamp of the originating event, not the timestamp when a fee is assessed. For example, to view a fee assessed on February 1 for a charge created on January 31, run the report for January. These reports only support platforms that explicitly state an application fee, either directly in the API or through Platform Pricing Tools.

A margin report includes data for the following types of charges:

  • Connect direct charges where the platform collects application fees
  • Destination charges where the platform collects application fees, with or without on_behalf_of

It also includes application fees and Stripe fees paid for Instant Payouts.

It doesn’t include data for the following types of charges:

  • Direct charges where the connected account is responsible for fees
  • Direct charges on the platform (such as SaaS subscriptions they run on the same account)
  • Separate charges and transfers
  • Direct charges initiated by a connected account
  • Direct charges for connected accounts that are no longer connected to your platform when you generate the report

Note

A margin report normalizes all values to USD using the conversion rate at the time of activity. We plan to add other normalization currencies in a future release.

Available columns for each margin report

The Summary and Connected Account margin reports show aggregated monthly data, whereas the Transaction margin report shows data for individual transactions.

Note

The total amounts shown in the Summary and Connected Account margin reports are normally greater than the sum of the amounts in the Transaction margin report. That’s because the Transaction report includes only fees that apply at a transaction level. It doesn’t include out-of-band fees, such as Card Account Updater fees or non-transactional scheme fees.

Summary margin report

This report shows the aggregated volume, revenue, and fees for the platform for the entire selected month. You can calculate the net volume, revenue, or fees as the sum of all values in their category. To determine the net margin, add the net revenue and net fees.

You can calculate net take rate in several ways. One common method is (net margin)/net volume)×10000.

Amount fields include:

  • subtotal_amount: Amount excluding any tax
  • tax_amount: Amount of tax
  • total_amount: sum of subtotal_amount and tax_amount

The Summary margin report includes the following data for the selected time period:

TypeCategoryDescription
Volume Charges, Payment method = {payment method}Volume of charges for the {payment method} payment method
RefundsVolume of refunds
DisputesVolume of disputes
Revenue Application fee, payment method = {payment method}Amount of application fees for the {payment method} payment method
Application fee refundsAmount of application fees refunded by the platform
Application fees, Instant PayoutsAmount of application fees charged for Instant Payouts
Account DebitAmount of account debits that were made from a connected account’s balance to the platform’s balance
Account Debit RefundsAmount of account debits that were refunded back to the connected account’s balance

Net Earnings from Transfers {payment method}

Amount of platform earnings with transfer_data[amount] (as opposed to application_fee)

When the platform uses transfer_data[amount] to monetize payments, the platform’s earnings equal the difference between the charge amount and transfer_data[amount]

Network fee (assessed by card networks) Card payments - Transaction network costsInterchange (or discount, for Amex) fees and transaction-level scheme fees; a single charge typically incurs one interchange fee and one or more scheme fees
Card payments - Other network costsNon-transactional scheme fees such as FANF (Fixed Acquirer Network Fee from Visa) directly attributable to a connected account
Card payments - Other network costs (platform level)Non-transactional scheme fees directly attributable to the platform itself
Stripe fee Stripe processing fees - {payment method}Stripe processing fees for cards and other payment methods
Connect - {fee type}Connect fees, such as Account Volume Billing, Active Account Billing, and (for Stripe Managed Risk and Support) Loss Liability
VariesOther product fees that apply to the platform and are directly attributable to a connected account, such as for Radar and Card Account Updater
Varies (platform level)Other product fees that apply to the platform and are directly attributable to the platform itself, such as Card Account Updater fees for cards created on the platform

Disconnecting an account from your platform can affect the values in the Summary margin report.

Connected Account margin report

This report shows all volume, revenue, and fees attributed to each connected account for the entire selected month. It doesn’t include any connected accounts that have been deleted or disconnected from your platform. You can use it to understand which connected accounts are margin-positive, margin-neutral, or margin-negative for your platform.

Because fees appear as negative numbers, you can calculate a connected account’s margin as the sum of its associated revenues and fees.

Connected account detail fields include:

  • connected_account_id: Unique identifier of the connected account associated with the charge
  • business_name
  • display_name
  • connected_account_country: Two-letter ISO code representing the country of the transaction account

The Connected Account margin report includes the following data for the selected time period:

TypeCategoryDescription
Volume amountSum of the amounts of all charges on the connected account, excluding any tax
charge_countNumber of charges on the connected account
amount_refundedSum of the amounts of all refunds for charges on the connected account
refund_countNumber of charges on the connected account that were refunded
amount_disputedSum of the disputed amounts on charges on the connected account
dispute_countNumber of charges on the connected account that were disputed
Revenue application_fee_amountSum of the amounts requested by the platform to be deducted from the charge amounts across all charges on the connected account
application_fee_amount_refundedTotal amount of the application_fee_amount that was refunded to the connected account
application_fee_instant_payouts_amountSum of the application fees earned by monetizing Instant Payouts to the connected account
application_fee_instant_payouts_amount_refundedTotal amount of the application_fee_instant_payouts_amount that was refunded to the connected account

net_earnings_from_transfers

Amount of platform earnings with transfer_data[amount] (as opposed to application_fee) across all charges on this connected account

When the platform uses transfer_data[amount] to monetize payments, the platform’s earnings equal the difference between the charge amount and transfer_data[amount]

account_debit_amountAmount of account debits that were made from this connected account’s balance and transferred to the platform’s balance
account_debit_amount_refundedAmount of account debits that were refunded back to this connected account’s balance
Fees network_costs_subtotal_amountSum of the Interchange (or discount, for American Express) fees and transaction-level scheme fees attributed to the connected account
other_network_costs_subtotal_amountSum of the non-transactional scheme fees, such as the Fixed Acquirer Network Fee (FANF) from Visa, attributed to the connected account
stripe_per_auth_fee_subtotal_amountSum of the per-authorization fees charged by Stripe for card processing with IC+ pricing attributed to the connected account
stripe_volume_fee_subtotal_amountSum of the Volume fees charged by Stripe for card processing with IC+ pricing attributed to the connected account
stripe_other_card_payments_fees_subtotal_amountSum of the other card processing fees charged by Stripe for card processing, such as per-dispute and per-sale fees, attributed to the connected account
stripe_processing_fees_subtotal_amountSum of the fees charged by Stripe for payments processing for users with IC+ pricing, such as fees for using payment methods like Affirm or AfterPay, not including Stripe card payments fees or network costs, attributed to the connected account
account_debit_fee_subtotal_amountSum of the fees charged by Stripe for account debits from the connected account’s balance that were transferred to the platform’s balance
stripe_dispute_fees_subtotal_amountSum of the dispute fees paid by the platform attributed to the connected account
stripe_refund_fees_subtotal_amountSum of the refund fees paid by the platform attributed to the connected account
adaptive_acceptance_fee_subtotal_amountSum of the adaptive acceptance fees attributed to the connected account
card_account_updater_fee_subtotal_amountSum of the card account updater fees attributed to the connected account
connect_account_initiation_billing_fee_subtotal_amountSum of the account initialization fees attributed to the connected account
connect_loss_liability_fee_subtotal_amountSum of the fees charged by Stripe to cover risk losses attributed to the connected account
connect_crossborder_transfer_fee_subtotal_amountSum of the cross-border payout transfer fees attributed to the connected account
connect_instant_payout_fee_subtotal_amountSum of the Instant Payout fees attributed to the connected account
connect_active_account_billing_fee_subtotal_amountSum of the active connected account fees attributed to the connected account (when calculating this value, an account that didn’t receive any payouts to a bank account or debit card is not considered active)
connect_payout_fee_subtotal_amountSum of the connect payout fixed fees attributed to the connected account
connect_account_volume_billing_fee_subtotal_amountSum of the connect payout volume fees attributed to the connected account
connections_verification_fee_subtotal_amountSum of the bank account verification fees attributed to the connected account
network_token_fee_subtotal_amountSum of the network token fees attributed to the connected account
radar_fees_subtotal_amountSum of the radar fees, including radar for fraud teams, attributed to the connected account
stripe_billing_fees_subtotal_amountSum of the Stripe Billing fees attributed to the connected account
stripe_tax_fees_subtotal_amountSum of the Stripe tax fees attributed to the connected account
terminal_fees_subtotal_amountSum of the terminal fees, such as tap to pay, P2PE, per-auth, and per-sale services fees, attributed to the connected account
other_fees_subtotal_amountSum of all other fees charged to the connected account that aren’t included in another field
tax_amountSum of the taxes that Stripe has charged for transactions attributed to the connected account
currencyCurrency of the values

Transaction margin report

This report shows a transaction-level breakdown of volume, revenue, and fees for the entire selected month. It doesn’t include non-transactional revenue or fees. You can use it to understand which transactions are margin-positive, margin-neutral, or margin-negative.

Because fees appear as negative numbers, you can calculate a transaction’s margin as the sum of its associated revenues (application fee, application fee amount refunded, net earnings from transfers) and fees.

Note

Don’t use the Transaction margin report to understand profitability at the level of a connected account. Use the Connected Account margin report.

Charge detail fields include:

  • charge_id: Unique identifier of the charge
  • connected_account_id: Unique identifier of the connected account associated with the charge
  • activity_at: Time in UTC at which we attribute the line item
  • payment_method_type: Type of payment method used for the transaction, such as card, ACH credit transfer, or link
  • card_funding: Card funding type; can be credit, debit, prepaid, or unknown
  • card_brand: Card brand; can be American Express, Diners Club, Discover, Eftpos Australia, JCB, MasterCard, UnionPay, Visa, or Unknown
  • card_network: Identifies which network processed the transaction; examples include amex, cartes_bancaires, diners, discover, eftpos_au, interac, jcb, mastercard, unionpay, visa, unknown
  • card_country: Two-letter ISO code representing the country of the transaction card
  • connected_account_country: Two-letter ISO code representing the country of the transaction account
  • charge_type: Type of the charge is destination (always included) or direct (included only for accounts that are connected at the time the report is generated)

The Transaction margin report includes the following data for the selected time period:

TypeCategoryDescription
Volume amountAmount of the charge, excluding any tax
amount_refundedAmount of the charge that was refunded
amount_disputedAmount of the charge that was disputed by the customer
Revenue application_fee_amountAmount requested by the platform to be deducted from the charge amount
application_fee_amount_refundedApplication fee amount that was refunded
transfer_amountAmount transferred to the connected account using transfer_data[amount]
transfer_reversal_amountAmount transferred back to the connected account when using transfer_data[amount]

net_earnings_from_transfers

Amount of platform earnings with transfer_data[amount] (as opposed to application_fee) for this charge

When the platform uses transfer_data[amount] to monetize payments, the platform’s earnings equal the difference between the charge amount and transfer_data[amount]

Cost stripe_processing_fees_subtotal_amountFees charged by Stripe for payments processing, such as fees for using payment methods like Affirm or AfterPay; for users with IC+ pricing, does not include Stripe card payments fees or network costs
stripe_processing_fees_tax_amountTax on the fees charged by Stripe for payments processing
stripe_dispute_fees_subtotal_amountDispute fees charged by Stripe
stripe_dispute_fees_tax_amountTax on the dispute fees charged by Stripe
stripe_refund_fees_subtotal_amountStripe processing fees that were refunded
stripe_refund_fees_tax_amountTax on the Stripe processing fees that were refunded
network_costs_subtotal_amountInterchange (or discount, for Amex) fees and transaction-level scheme fees; a single charge typically incurs one interchange fee and one or more scheme fees
network_costs_tax_amountTax on the transaction-level network costs charged to the platform
stripe_per_auth_fee_subtotal_amountPer-authorization fees charged by Stripe for card processing with IC+ pricing
stripe_per_auth_fee_tax_amountTax on the per-authorization fees charged by Stripe for card processing with IC+ pricing
stripe_volume_fee_subtotal_amountVolume fees charged by Stripe for card processing with IC+ pricing
stripe_volume_fee_tax_amountTax on the volume fees charged by Stripe for card processing with IC+ pricing
stripe_other_cardpayments_fees_subtotal_amountOther fees charged by Stripe for card processing with IC+ pricing
stripe_other_cardpayments_fees_tax_amountTax on the other fees charged by Stripe for card processing with IC+ pricing
stripe_radar_fees_subtotal_amountRadar fees charged to the platform
stripe_radar_fees_tax_amountTax on the Radar fees charged to the platform
stripe_adaptive_acceptance_fee_subtotal_amountAdaptive acceptance fees charged to the platform
stripe_adaptive_acceptance_fee_tax_amountTax on the adaptive acceptance fees charged to the platform
stripe_connect_loss_liability_fee_subtotal_amountLoss liability fees charged by Stripe to manage risk on the transaction
stripe_connect_loss_liability_fee_tax_amountTax on the loss liability fees charged by Stripe to manage risk on the transaction
stripe_other_fees_subtotal_amountAll other fees charged on the transaction that aren’t explicitly included in another field
stripe_other_fees_tax_amountTax charged on the other fees
currencyCurrency of the charge and fees
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