WooPayments reconciliation says my real cost per order is 3.4 percent

Golden_Thistle

Ran the new reconciliation report over July. Effective cost per order came out at 3.4 percent.
https://developer.woocommerce.com/2026/08/06/woopayments-reports/

My prices are built on 1.4 percent plus 25 cents. That's what the pricing page says, but the report doesn't agree. Nice report, but all it does is show you what you were already losing.

How do the rest of you price around that?

vijaY.jOSePh

The flat rate hurts far more than the percentage with an averag order size of 12 EUR. So we've actually increased the minimum order to 20 EUR, rather than altering individual product pricing.

Any thoughts on this?

oleksandrmartynenko

Golden_Thistle wrote
Nice report, but all it does is show you what you were already losing.

If a transaction has been refunded it generally still contains the original transaction fee. If you have a high refund rate your reconciliation report will be polluted in the payment column.

Would it be possible to break it down into 'completed' and 'refunded' transactions?

Golden_Thistle

Split it out. Found that my refund rate on a clothes category, which accounted for the majority of the gap, was 11 percent.

Which means that the gateway wasn't the primary issue.

So you were right that the refunds were polluting the payment column.

My main concern about using the reconciliation report to price items and look for issues is it just confirms that there are things to be improved upon with it.

Atif

vijaY.jOSePh wrote
So we've actually increased the minimum order to 20 EUR, rather than altering individual product pricing.

A minimum order value eats up more in tiny transactions than the tiny fees will ever do. so I'll settle for a small charge shown on the checkout page.

DustyRocket

Is it even permitted to charge your customers more for using a card if you're operating in the EU? I've been taught it's not, but I cant get confirmation.

atomictractor

It's not allowed to add surcharging to consumer card transactions but for each transactio, you may add fixed amount of charge per transaction, below a certain transaction amount. And it should be displayed before the transaction 🙂

Axel.Gaudin

I tried calculating with my numbers and came to the conclusion that the Gateway was the lowest percentage.

And that it was the unrecovered shipping fee that cost 3x more.

Because it was for free delivery, nothing came back on the shipping. It cost 3x as much as the gateway.