Monitor PSP Fees
The PSP Fees panel on the Dashboard’s Operations tab shows how much you are paying in processing fees across your payment service providers. It breaks down volume, fees, and effective rates per processor, and shows how much of those fees you are recovering through surcharges.
Who can do this: Operations Managers, CFOs, and Account Owners.
Read the PSP Fees panel
Navigate to the Operations tab
Open the Dashboard and select the Operations & Costs tab.
Locate the PSP Fees panel
The panel displays a table with one row per active processor:
| Column | Description |
|---|---|
| Processor | The PSP name (Stripe, PayTabs, Mock, or Unattributed) |
| Volume | Total transaction value processed through this PSP |
| Fee | Total fees charged by this PSP (shown in warning colour) |
| Rate | Effective fee rate as a percentage (Fee / Volume) |
Check the totals
Below the per-processor table:
- Total fee — sum of all processor fees across all PSPs
- Surcharge collected — amount recovered from customers via card surcharging (if enabled). This line only appears when surcharge collections are greater than zero.
Fee amounts marked with an “Estimated” badge are calculated using assumed rates rather than actual processor webhook data. Until your processor delivers real fee data via webhooks, BayWise applies standard industry rates (e.g., 2.9% + fixed fee for Stripe). The “Estimated” label ensures you never mistake these for confirmed charges.
Understanding effective rates
The effective rate column shows Fee as a percentage of Volume. Compare this across processors to identify which PSP offers the best value:
- A rate of 2.5% on Stripe vs 3.1% on PayTabs means Stripe is more cost-effective per transaction for your volume
- The Mock processor always shows 0% because it does not charge real fees
Common questions
When will fees switch from “Estimated” to actual? Fees become actual when your processor sends real charge data via webhooks. This requires your processor webhook URL to be configured correctly. See Configure Payment Processors.
Does the panel include refund fees? Currently, the panel tracks processing fees on successful transactions only. Refund-related fees will be included in a future update.
How does surcharging affect the fee picture? If surcharging is enabled, the Surcharge Collected line shows how much of your processing costs you are recovering from customers. A surcharge amount close to or exceeding the total fee means your net processing cost is minimal.
Related pages
- Configure Payment Processors — setting up PSPs and webhooks
- Configure Surcharging — enabling fee pass-through
- Understanding the Dashboard — full dashboard overview