---
title: "Sample Easy Audit · Levain & Crumb Bakery Co."
description: "What an Easy Audit looks like when it lands in your inbox. Reconciled, line-itemized, with the real switch math."
url: https://www.itseasy.co/audit/sample
markdown_url: https://www.itseasy.co/audit/sample.md
site: Easy
generated_at: 2026-09-04T12:24:46.155Z
---
Sample audit · public · fictional merchant

# This is what an Easy Audit looks like.

One page. Reconciled, line-itemized, signed dollar numbers. Your report will look identical, with your data. Connect your processor to generate yours.

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.

- † Stripe itemizes every fee category; this report reflects the full balance\_transactions fee\_details breakdown.

## 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  
itseasy.co/audit/AUD-2026-04-LVN

[Run your audit →](/audit)

---

See also: [llms.txt](https://www.itseasy.co/llms.txt) — index of all machine-readable pages.