Інструменти та FinOps-калькулятори (Україна та східноєвропейські інженерні хаби)
Calculate your exact net revenue and processing drag across Stripe, Lemon Squeezy, Paddle, and Shopify Payments factoring in interchange, international cross-border fees, currency conversion, and chargeback dispute reserves.
Compare Empirical Gateway Terms
Explore contract schedules and global tax compliance capabilities in the Merchant Gateways Benchmark Table ↗.
Calculation Formulas & Models
Every metric on FoxyData is deterministic, transparent, and auditable. Below are the algebraic definition and equivalent spreadsheet formula.
Net Take-Home = Gross Volume - (Gross Volume × MDR%) - (Transactions × Per-Tx Fee) - (International Volume × Cross-Border%) - (Foreign Volume × FX Spread%) - (Disputes × Dispute Fee) - Monthly Platform Fee
Evaluated client-side in floating-point arithmetic with strict zero-division and boundary guards.
= Gross - (Gross * P_mdr) - (ROUNDUP(Gross / Ticket, 0) * Fee_fixed) - (Gross * P_intl * P_xb) - (Gross * P_fx * P_fx_spread) - (ROUNDUP(Gross / Ticket, 0) * P_cb * Fee_dispute) - Fee_monthly
Drop-in formula for financial models, cost forecasting spreadsheets, and ERP analysis.
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Frequently Asked Questions
Empirical engineering and financial explanations based on contractual rate sheets and production benchmarks.
What is the primary difference between a Payment Service Provider (PSP) and a Merchant of Record (MoR)?
A PSP like Stripe acts as a payment facilitator: you maintain the legal merchant account, handle global sales tax/VAT compliance, and bear direct liability for fraud. An MoR like Lemon Squeezy or Paddle becomes the legal reseller of your digital products, automatically collecting and remitting global sales tax/VAT, managing chargebacks, and shielding you from foreign tax registration filings in exchange for a higher headline take-rate (typically 5% + $0.50).
How do international cross-border and FX fees impact merchant take-home margins?
When an overseas customer purchases using a foreign-issued card, processors add an international interchange surcharge (typically 1.0% to 1.5%). Furthermore, if settlement occurs in a different currency, an FX spread fee (typically 1.0% to 2.0%) is deducted. On a $100 international sale, a nominal 2.9% fee easily expands to 5.4% in effective processing drag.
What chargeback threshold triggers penalty programs with Visa and Mastercard?
Visa (VAMP) and Mastercard (VDMP) monitor dispute-to-transaction ratios. Crossing 0.90% to 1.00% dispute rate places a merchant into excessive chargeback monitoring programs, leading to mandatory dispute assessment fines of $50 to $100 per chargeback, mandatory remediation plans, and potential account termination.