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.
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
Month-end fee adjustments
Month-end fees are subject to revisions. Network costs can change up to two months after the transaction occurs. For example, fees for May transactions can be revised until July 1st billing, with final amounts visible to you by July 3rd.
As Stripe receives additional data from financial partners regarding transactions, we might make adjustments to previously deducted fees. These monthly fee adjustments help us ensure we charge accurate billing.
Available margin reports
| Report type | Description | Usage |
|---|---|---|
| Summary | Platform-level aggregated view of Connect volume, revenue, and fees | Calculate monthly margins for your platform |
| Connected Account | Connected account-level view of Connect volume, revenue, and fees | Identify which connected accounts drive margins up or down |
| Transaction | Transaction-level view of Connect volume, revenue, and fees | Identify which transactions drive margins up or down |
Summary margin report example
Access the margin reports
- 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.
- 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
- Failed charges
Note
A margin report normalizes all values to USD using the conversion rate at the time of each activity—for example, charge capture, dispute creation, fee creation, and so on.
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_andamount tax_amount
The Summary margin report includes the following data for the selected time period:
| Type | Category | Description |
|---|---|---|
| Volume | Charges, Payment method = {payment method} | Volume of charges for the {payment method} payment method |
| Refunds | Volume of refunds | |
| Disputes | Volume of disputes | |
| Revenue | Application fee, payment method = {payment method} | Amount of application fees for the {payment method} payment method |
| Application fee refunds | Amount of application fees refunded by the platform | |
| Application fees, Instant Payouts | Amount of application fees charged for Instant Payouts | |
| Account Debit | Amount of account debits that were made from a connected account’s balance to the platform’s balance | |
| Account Debit Refunds | Amount of account debits that were refunded back to the connected account’s balance | |
Net Earnings from Transfers {payment method} | Amount of platform earnings with When the platform uses | |
| Network fee (assessed by card networks) | Card payments - Transaction network costs | Interchange (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 costs | Non-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 | |
| Varies | Other 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:
| Type | Category | Description |
|---|---|---|
| Volume | amount | Sum of the amounts of all charges on the connected account, excluding any tax |
| charge_count | Number of charges on the connected account | |
| amount_refunded | Sum of the amounts of all refunds for charges on the connected account | |
| refund_count | Number of charges on the connected account that were refunded | |
| amount_disputed | Sum of the disputed amounts on charges on the connected account | |
| dispute_count | Number of charges on the connected account that were disputed | |
| Revenue | application_fee_amount | Sum of the amounts requested by the platform to be deducted from the charge amounts across all charges on the connected account |
| application_fee_amount_refunded | Total amount of the application_fee_amount that was refunded to the connected account | |
| application_fee_instant_payouts_amount | Sum of the application fees earned by monetizing Instant Payouts to the connected account | |
| application_fee_instant_payouts_amount_refunded | Total amount of the application_fee_instant_payouts_amount that was refunded to the connected account | |
net_earnings_from_transfers | Amount of platform earnings with When the platform uses | |
| account_debit_amount | Amount of account debits that were made from this connected account’s balance and transferred to the platform’s balance | |
| account_debit_amount_refunded | Amount of account debits that were refunded back to this connected account’s balance | |
| Fees | network_costs_subtotal_amount | Sum of the Interchange (or discount, for American Express) fees and transaction-level scheme fees attributed to the connected account |
| other_network_costs_subtotal_amount | Sum 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_amount | Sum of the per-authorization fees charged by Stripe for card processing with IC+ pricing attributed to the connected account | |
| stripe_volume_fee_subtotal_amount | Sum of the Volume fees charged by Stripe for card processing with IC+ pricing attributed to the connected account | |
| stripe_other_card_payments_fees_subtotal_amount | Sum 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_amount | Sum 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_amount | Sum 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_amount | Sum of the dispute fees paid by the platform attributed to the connected account | |
| stripe_refund_fees_subtotal_amount | Sum of the refund fees paid by the platform attributed to the connected account | |
| adaptive_acceptance_fee_subtotal_amount | Sum of the adaptive acceptance fees attributed to the connected account | |
| card_account_updater_fee_subtotal_amount | Sum of the card account updater fees attributed to the connected account | |
| connect_account_initiation_billing_fee_subtotal_amount | Sum of the account initialization fees attributed to the connected account | |
| connect_loss_liability_fee_subtotal_amount | Sum of the fees charged by Stripe to cover risk losses attributed to the connected account | |
| connect_crossborder_transfer_fee_subtotal_amount | Sum of the cross-border payout transfer fees attributed to the connected account | |
| connect_instant_payout_fee_subtotal_amount | Sum of the Instant Payout fees attributed to the connected account | |
| connect_active_account_billing_fee_subtotal_amount | Sum 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_amount | Sum of the connect payout fixed fees attributed to the connected account | |
| connect_account_volume_billing_fee_subtotal_amount | Sum of the connect payout volume fees attributed to the connected account | |
| connections_verification_fee_subtotal_amount | Sum of the bank account verification fees attributed to the connected account | |
| network_token_fee_subtotal_amount | Sum of the network token fees attributed to the connected account | |
| radar_fees_subtotal_amount | Sum of the radar fees, including radar for fraud teams, attributed to the connected account | |
| stripe_billing_fees_subtotal_amount | Sum of the Stripe Billing fees attributed to the connected account | |
| stripe_tax_fees_subtotal_amount | Sum of the Stripe tax fees attributed to the connected account | |
| terminal_fees_subtotal_amount | Sum 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_amount | Sum of all other fees charged to the connected account that aren’t included in another field | |
| tax_amount | Sum of the taxes that Stripe has charged for transactions attributed to the connected account | |
| currency | Currency 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, orlink - card_funding: Card funding type; can be
credit,debit,prepaid, orunknown - card_brand: Card brand; can be
American Express,Diners Club,Discover,Eftpos Australia,JCB,MasterCard,UnionPay,Visa, orUnknown - 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) ordirect(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:
| Type | Category | Description |
|---|---|---|
| Volume | amount | Amount of the charge, excluding any tax |
| amount_refunded | Amount of the charge that was refunded | |
| amount_disputed | Amount of the charge that was disputed by the customer | |
| Revenue | application_fee_amount | Amount requested by the platform to be deducted from the charge amount |
| application_fee_amount_refunded | Application fee amount that was refunded | |
| transfer_amount | Amount transferred to the connected account using transfer_ | |
| transfer_reversal_amount | Amount transferred back to the connected account when using transfer_ | |
net_earnings_from_transfers | Amount of platform earnings with When the platform uses | |
| Cost | stripe_processing_fees_subtotal_amount | Fees charged by Stripe for payments processing, which includes fees for using payment methods such as Affirm or AfterPay. For users with IC+ pricing, it doesn’t include Stripe card payments fees or network costs |
| stripe_processing_fees_tax_amount | Tax on the fees charged by Stripe for payments processing | |
| stripe_dispute_fees_subtotal_amount | Dispute fees charged by Stripe | |
| stripe_dispute_fees_tax_amount | Tax on the dispute fees charged by Stripe | |
| stripe_refund_fees_subtotal_amount | Stripe processing fees that were refunded | |
| stripe_refund_fees_tax_amount | Tax on the Stripe processing fees that were refunded | |
| network_costs_subtotal_amount | Interchange (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_amount | Tax on the transaction-level network costs charged to the platform | |
| stripe_per_auth_fee_subtotal_amount | Per-authorization fees charged by Stripe for card processing with IC+ pricing | |
| stripe_per_auth_fee_tax_amount | Tax on the per-authorization fees charged by Stripe for card processing with IC+ pricing | |
| stripe_volume_fee_subtotal_amount | Volume fees charged by Stripe for card processing with IC+ pricing | |
| stripe_volume_fee_tax_amount | Tax on the volume fees charged by Stripe for card processing with IC+ pricing | |
| stripe_other_cardpayments_fees_subtotal_amount | Other fees charged by Stripe for card processing with IC+ pricing | |
| stripe_other_cardpayments_fees_tax_amount | Tax on the other fees charged by Stripe for card processing with IC+ pricing | |
| stripe_radar_fees_subtotal_amount | Radar fees charged to the platform | |
| stripe_radar_fees_tax_amount | Tax on the Radar fees charged to the platform | |
| stripe_adaptive_acceptance_fee_subtotal_amount | Adaptive acceptance fees charged to the platform | |
| stripe_adaptive_acceptance_fee_tax_amount | Tax on the adaptive acceptance fees charged to the platform | |
| stripe_connect_loss_liability_fee_subtotal_amount | Loss liability fees charged by Stripe to manage risk on the transaction | |
| stripe_connect_loss_liability_fee_tax_amount | Tax on the loss liability fees charged by Stripe to manage risk on the transaction | |
| stripe_other_fees_subtotal_amount | All other fees charged on the transaction that aren’t explicitly included in another field | |
| stripe_other_fees_tax_amount | Tax charged on the other fees | |
| currency | Currency of the charge and fees |