I thought Stripe was 2.9%. My real all-in cost was 4.02%.

I exported my Stripe Balance CSV and realized the headline 2.9% was not the number that mattered.

The useful split was:

• processing rate: 3.82%
• all-in Stripe cost: 4.02%

The difference came from international cards, small charges, refunds, and other fee lines.

I wrote up the exact CSV-based method here:
https://feeauditor.com/stripe-balance-csv

Curious if other SaaS founders have checked their real rate recently.