Compare the same thing first
A calculator usually estimates a transaction. A bank deposit may combine many transactions and subtract refunds, adjustments, reserves or withdrawal charges. Comparing those two totals directly can make a correct estimate look wrong. Start with one completed order or payment and its detailed platform statement.
Record the gross charge, currency, payment date, fees and net amount for that transaction. Then note which payout batch includes it. An order placed near the end of a month may settle in a later period, so calendar-month sales and calendar-month deposits do not necessarily describe the same activity.
Reconstruct the settlement step by step
Consider an illustrative $100 payment with $3.20 in processing and platform deductions. Its transaction-level net is $96.80. If a payout batch contains that transaction and a separate $20 refund adjustment, the batch could be $76.80 before any other deductions. The difference does not prove that the original fee rate was wrong.
Build a simple bridge: starting transaction net, plus other included transactions, minus refunds and adjustments, minus any payout charge, equals the payout total. Use the statement’s actual labels. Do not force every difference into a generic fee field, because that would make future transaction estimates less accurate.
Check the fee base and rounding
If the transaction itself differs, inspect whether the percentage applies to item price, shipping, tax, or another amount. Confirm the account country, payment method and effective date of the schedule. A percentage charged on $110 is not equivalent to the same percentage charged on $100, even when the order headline displays $100.
Next check fixed charges, minimums and separate components. Rounding each component can produce a cent difference from rounding a combined total. For foreign-currency payments, record the settlement currency, exchange rate and explicit conversion charges. FeeMargin’s FX field models a markup on gross receipts; it does not reproduce a provider’s live conversion quote.
Save evidence for a useful correction
Export the calculator breakdown and keep it with the platform statement. If reporting a discrepancy, include the platform, applicable country or plan, fee schedule link, date, fee base and expected arithmetic. Remove customer names, payment credentials and other private details before sharing evidence.
The contact page includes a fee-reporting guide. A well-specified example lets us distinguish an outdated preset from a different fee product or an unsupported rule. Until the difference is understood, use the platform’s documented transaction record for reconciliation rather than treating the calculator estimate as the authoritative settlement amount.