Payfold pulls transactions, fees, refunds and payouts from every PSP into one reconciled dataset, so finance closes the month in a day and AI flags savings and overcharges before anyone has to look.
| PSP | Volume | Fees | Rate |
|---|---|---|---|
| Adyen | €2.46m | €34k | 1.38% |
| PayPal | €1.23m | €31k | 2.49% |
| Mollie | €1.11m | €3k | 0.31% |
| Stripe | €1.06m | €18k | 1.74% |
Insight Routing card payments under €50 from Stripe to Adyen would have saved €1,330 this period.
Every morning Payfold AI goes through every transaction, fee line and payout, and surfaces what’s worth acting on: savings, overcharges, anomalies and reconciliation errors. Each insight comes with the money at stake, the evidence and one next step.
Small card payments cost 1.74% on Stripe against 1.21% on Adyen for the same card mix, with no difference in approval rate on comparable traffic.
The same €49.99 sale, as Adyen, Stripe and Mollie each report it. Payfold maps every field to one model: same names, same units, fees broken out, payouts linked.
Merchant Account: DemoBV_EU Psp Reference: 8816174923482051 Merchant Reference: ORD-20391 Payment Method: mc Creation Date: 2026-11-04 14:02:11 TimeZone: CET Type: Settled Gross Currency: EUR Gross Credit (GC): 49.99 Interchange (NC): 0.10 Scheme Fees (NC): 0.04 Markup (NC): 0.60 Net Credit (NC): 49.25 Batch Number: 412
| order_id | ORD-20391from Merchant Reference |
|---|---|
| psp_ref | 8816174923482051from Psp Reference |
| gross | €49.99from Gross Credit (GC) |
| fee_total | €0.74from Interchange + Scheme Fees + Markup |
| method | card · Mastercardfrom Payment Method |
| paid_at | 2026-11-04 13:02 UTCfrom Creation Date + TimeZone |
| payout_id | adyen:412from Batch Number |
Scheduled to your inbox as PDF or Excel, or live in the dashboard. Every number links back to the transactions behind it.
Gross, fees, refunds, chargebacks and net per PSP, entity and currency, tied to bank payouts.
FinanceMonthlyEvery fee line checked against your contracts, with overcharges listed per PSP.
Finance · PaymentsMonthlyEach payout matched to bank lines and the transactions inside it. Exceptions only.
FinanceDailyCost and approval rate per method, country and card type, with routing scenarios.
PaymentsWeeklyChargebacks and refunds by reason, product and PSP, with win rates.
Payments · RiskWeeklyVolume, take rate and payment costs over time, in one page leadership can read.
LeadershipMonthlyQuery the same model from your warehouse, BI tool or Excel. Read-only connections in, clean tables out.
select psp, method, sum(gross) as volume, sum(fee_total) / sum(gross) as fee_rate from payfold.transactions where settled_at >= date '2026-10-01' and settled_at < date '2026-11-01' group by psp, method order by sum(fee_total) desc;
| psp | method | volume | fee_rate |
|---|---|---|---|
| adyen | card | €2.46m | 1.38% |
| paypal | wallet | €1.23m | 2.49% |
| stripe | card | €1.06m | 1.74% |
| mollie | ideal | €1.11m | 0.31% |
Your two biggest PSPs and your bank, read-only.
Twelve months of history in the model, fees broken out.
Payouts matched to bank lines; we review exceptions with you.
Your month-end rebuilt in Payfold, next to the old one.
Your first month-end on Payfold numbers.
We ship every week: mostly connectors and the reports customers ask for.
Klarna settlement reports now import daily, with fees and returns per order.
Every Adyen markup line is checked against the rate in your contract. Overcharges are listed per batch.
The full Payfold model syncs to Snowflake every hour, next to the existing BigQuery sync.
One workspace for several entities, with payouts and fees split per entity and currency.
Payfold can never move money or change a setting.
Processed and stored in the EU, under a data processing agreement.
Each figure links back to the transactions and fee lines behind it.
Leave any time; your data is deleted within 30 days.
I've watched finance teams lose the first week of every month to stitching PSP exports together, and still not know what payments really cost.
Payfold does that work every morning, so the numbers are simply there.
Adyen, Stripe, Mollie, PayPal, Checkout.com, Klarna, Worldpay and Buckaroo out of the box, and any other PSP that offers an API or settlement files. Your bank and ledger connect the same way.
No. Access is read-only, everywhere. Payfold reads, normalises and reports.
It's processed and stored in the EU. You can also push the clean dataset to your own warehouse or download it as Excel or CSV.
Most teams see their first reconciled numbers within a week, starting with their two biggest PSPs.
Finance and payments teams at merchants, marketplaces and platforms that take payments through more than one PSP.