Audit.
Report AUD-2026-04-LVN · v1
Issued Apr 12, 2026 · 14:22 UTC
Source: Stripe Standard · OAuth read-only
Issued Apr 12, 2026 · 14:22 UTC
Source: Stripe Standard · OAuth read-only
Prepared for Levain & Crumb Bakery Co.
Analysis window: Apr 1, 2025 → Mar 31, 2026
Executive summary · for Sarah Levain, CEO
Over the last 12 months, your processor collected $86,055 in fees from you and kept $11,808 in yield off your idle balance.
On Easy, your net all-in would have been $55,127. You're leaking $30,928/yr — $154,640 over five years.
Gross payment volume
$1.85M
56,840 transactions · $33 avg ticket · 5 retail locations + DTC subscription box
Stated processor rate
2.9% + 30¢
Per processor terms (Stripe Standard).
Actual all-in rate
4.66%
Once Radar, instant payouts, FX & disputes are layered in.
Annual leakage vs Easy
$30,928
Net of fee delta + yield captured + cash-flow drag.
01Where your money wentFee detail · 12-mo
01
Card processing — base
2.9% × $1,847,500 GPV + 30¢ × 56,840 transactions.
$70,630
3.82%
02
International card surcharge
1.5% on $265,000 of tourist + cross-border volume (DTC box ships intl).
$3,975
0.22%
03
Stripe Radar (fraud)
$0.06 × 56,840 screened transactions. Auto-enabled on your account.
$3,410
0.18%
04
Instant payouts
14 instant payouts at 1% each (used during Q4 holiday inventory crunch).
$3,820
0.21%
05
Disputes & chargebacks
16 disputes × $15 dispute fee + $1,940 in lost dispute amounts.
$2,180
0.12%
06
FX & cross-border conversion
1.0% on $142,000 of non-USD settled revenue.
$1,420
0.08%
07
Sigma + Connect platform fees
Analytics seat + multi-location Connect markup.
$620
0.03%
Σ
Total processor fees · 12 months
$86,055
4.66%
§02 · Yield you didn't earn
$11,808
The yield your processor captured on your idle balance during the analysis window. On Easy this returns to you as monthly cashback.
Avg operating balance$295,200
12-mo avg T-bill rate4.00%
Transit float (T+2)$10,640
Avg settlement delay2.1 days
The processor is paid roughly 4% on every dollar sitting in your balance, sweep, and transit float. None of that yield was rebated to you.
03The switch mathToday vs Easy · same volume, same mix
Line item
Today · Stripe
On Easy
Card processing (all-in)
$86,055
$66,935
Effective rate
4.66%
3.62%
Yield earned on idle balance
$0
+$11,808
Working capital trapped in transit
$10,640
$0 · same-day
Account custody
Processor holds funds
You hold funds
Net 12-month cost
$86,055
$55,127
You can switch in 7 days. Live by Apr 19, 2026.White-glove migration. We move your processor, subscriptions & payouts. Zero downtime.
Your migration leadjordan@itseasy.co
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