Fees

Fees in Reveal Settlements helps finance and payments teams understand what it costs to accept payments across connected Gateway Accounts. Use it to compare providers on a rate basis, see where fees run higher than the rest of your traffic, and gather evidence before a rate conversation, routing change, or month-end cost review.

While Reconciliation confirms that expected revenue reached the bank, Fees focuses on the cost of that revenue: blended rates, fee components, platform charges, and segments that price above your typical rate.

To open Fees, select Settlements from the toggle at the top center of the dashboard, then select Fees in the left navigation. If you have not connected a payment processor yet, start with Get started with Settlements.

Why Fees matters

Payment cost is rarely one line on a statement. It spreads across gateway accounts, payment methods, currencies, interchange and scheme components, and platform charges that are not tied to a single transaction. Teams often know that fees increased, but not which account, method, or traffic segment drove the change.

Without a unified view, cost analysis usually means downloading processor statements, normalizing fee columns by hand, and still guessing where to act. That slows month-end explanations and weakens processor negotiations.

Fees brings those answers into Settlements so you can:

• Compare the cost of acceptance across Gateway Accounts using blended rate (average fee relative to pay-in volume), not only absolute fee dollars.
• Find fee leakage: transactions whose fee rate sits above the average for that Gateway Account and currency. See Outliers.
• Explain variance by looking inside one Gateway Account: payment-method mix, fee components, and platform fees. See Provider-level fee insights.
• Confirm line items in Records when you need an export or audit trail.

How Fees measures cost

Blended rate is the average fee charged for volume on a Gateway Account: total fees (including platform fees attributed to that account) relative to pay-in volume for the period you are reviewing. Absolute fees matter for the P&L; blended rate shows which accounts are expensive for the volume they process.

Outliers are transactions whose fee rate is above the average fee rate for the same Gateway Account and settlement currency in that period. They highlight where a share of volume is priced hotter than your typical book so you can investigate mix or pricing before the overage grows. See Outliers.

Provider-level detail explains why an account is expensive: which payment methods carry volume and high rates, how fee components stack (for example interchange, scheme, commission, or markup when present in your data), and which platform fees sit on top of per-transaction charges. See Provider-level fee insights.

Amounts and rates are scoped by date range and settlement currency so you compare like with like. When a Gateway Account settles in more than one currency, review one settlement currency at a time.

How Fees works with the rest of Settlements

Fees sits alongside Reconciliation and Records in Settlements:

• Start on Fees when you need to compare cost across Gateway Accounts or find leakage above your average rate.
• Open a Gateway Account for provider-level fee insights when you need to explain why that account is expensive.
• Use Reconciliation when the question is whether payouts and fee deductions match the bank.
• Use Records when you need transaction-level settlement and fee evidence to share or export.
• Check Insights when Reveal has already surfaced a fee-related recommendation (for example, interchange downgrades) before you quantify it in Fees.

A common review path is: fees or net payout looks off → compare blended rates and outlier volume across Gateway Accounts → open the expensive account for payment-method and platform-fee detail → confirm or export evidence in Records → renegotiate, reroute, or change mix.

Take the next step

• Outliers: How fee leakage above your average rate is identified and why it matters.
• Provider-level fee insights: How to explain cost inside a single Gateway Account.
• Records: Inspect and export settled transactions for accounting workflows.
• Reconciliation: Match payouts and fee deductions to bank deposits.