How do I reconcile Etsy transaction and payment processing fees?

Create a redacted, single-currency fee ledger

Choose one as-of date and reporting currency. Keep a seller-owned row reference, order date, optional listing and SKU aliases, the transaction-fee basis and recorded charge, and the processing-fee basis and recorded charge. Exclude buyer identity, address, bank data, payment instruments, and raw order identifiers. Use the marketplace export as evidence, but preserve blank values and unfamiliar rows rather than filling them from a remembered fee schedule or another country's Payment account.

Keep transaction and processing terms separate

For every row, supply the transaction percentage that applies to its transaction basis. Separately supply the processing percentage and flat amount that apply to its processing basis. Those bases may differ, and processing terms can vary by seller location. Do not reuse one percentage for the other fee or silently assume whether shipping, tax, gift wrap, currency conversion, or another component belongs in a basis. The audit should test only the explicit terms the seller provides.

Recompute each component before comparing the total

Calculate the transaction fee as its supplied basis times its supplied percentage. Calculate the processing fee as its supplied basis times its supplied percentage plus the supplied flat amount. Round each component to cents, then compare its recorded and recomputed amounts inside a seller tolerance. A row is a mismatch when either component exceeds tolerance, even if one positive and one negative difference happen to cancel in the row total.

Separate exposure directions and summarize by component

Rank mismatches by absolute combined discrepancy while keeping each component visible. Total positive possible-overcharge arithmetic separately from negative possible-undercharge arithmetic; neither total establishes money owed. Summarize transaction and processing recorded amounts, expected amounts, comparable-row counts, and differences independently. Use optional listing or SKU groups only for workload prioritization, not to infer which product or customer caused a fee difference.

Check current terms and source scope before escalating

Open the authorized Payment account row and the current fee terms for the seller's location. Verify rate effective date, fee basis, refunds or credits, currency conversion, tax treatment, and whether the export split one sale across several entries. This bounded recompute does not prove Etsy charged the wrong fee, establish a refund, or replace tax or accounting advice. Friday files no case, requests no credit, changes no listing or shop, and modifies no Etsy account; a human decides any next step from current evidence.

Tools that help with this

Prices below are exact x402 per-call prices. Human card checkout uses fixed $3, $9, and $29 bundles; follow a tool page to see its applicable bundle.

• Free one-sale Etsy transaction and processing fee check (free)
• Etsy Transaction + Payment Processing Fee Verifier ($0.50) — Recompute both supplied Etsy per-sale fee components and rank differences
• Etsy Listing Renewal + Multi-Quantity Fee Verifier ($0.25) — Audit listing, renewal, and multi-quantity event fees in a separate workflow
• Marketplace Payout Reconciliation Analyzer ($1.00) — Trace verified fee components through seller-supplied payout and deposit rows

Every paid output is a draft for your review before you publish, appeal, or activate anything. Friday does not access your seller account.

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