Verify actual bank fees

Pour :Administrateur

Preview: Verify actual bank fees

When an online payment arrives in Unisoft, bank fees are first estimated based on the platform's scale, then automatically adjusted a few hours to a few days later with the exact value communicated by the platform. This page explains this mechanism and gives you the right reflexes to verify or wait.

The fee life cycle

Phase	Typical duration	Display
Estimation	Immediate	Fees displayed with discreet "estimated" mention
Wait for webhook	Variable per platform	No visible change
Update	Instant upon webhook reception	Actual fees displayed without mention

Delay per platform

Platform	Typical delay for actual fees
Stripe (Card)	A few minutes to a few hours
Stripe SEPA	2 to 3 business days (SEPA delay)
PayGreen	A few hours to 1 day
GoCardless	2 to 7 business days
PayPal	A few hours
Cardcom	Variable (1 to 3 days)
Authorize.net	A few hours

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Why this latency

Actual fees depend on the type of card used (gold, premium, foreign), the country of issue, and the tariff conditions negotiated with the platform. All these parameters are only known after complete processing of the transaction, sometimes on the issuing bank side.

Spot a payment awaiting adjustment

In the detail panel of a payment, Amount breakdown section:

Visual signal	Meaning
"Fees being calculated" mention or wait icon	Phase 1 — fees still estimated, update upcoming
No special mention	Phase 2 — actual fees confirmed

If you see the signal after 3-7 days, it's probably a case that requires your attention.

Verify that a payment has been adjusted

1. 1

   Open the detail panel

   Payments list → click on the line → side panel.

2. 2

   Go to the Amount breakdown section

   At the top of the panel.

3. 3

   Verify the absence of 'in progress' mention

   If the mention no longer appears, the displayed fees are the actual fees.

4. 4

   Cross-check with the platform (optional)

   In the Stripe / PayGreen / GoCardless dashboard, the fee amount on the same transaction must be identical.

Cases where the update is abnormally delayed

If after a week, a payment remains with its estimated fees:

1. Check the status on the platform side

Log in to the platform dashboard and find the transaction. If it appears as finalized on the platform side but the fees are not updated on the Unisoft side, it's probably a webhook problem.

2. Check the webhook configuration

In the Developers module:

• Webhooks section → check that the endpoint to Unisoft is active
• List of last received events → check that there are no failures

3. Contact Unisoft support

If everything seems correct on the platform side but the update doesn't arrive, open a support ticket with:

• The Unisoft internal identifier of the payment
• The transaction identifier on the platform side
• The date of the payment

Impact on KPIs and reports

As long as fees are not finalized, the net amount displayed in:

• The statistics at the top of the list
• The XLSX export
• The bank reconciliation

…is based on the estimation. For recent payments, a slight discrepancy (of the order of a few cents per payment) may exist compared to the actual credit on your bank account.

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Wait 7 days before a monthly accounting export

For a monthly closing accounting export, wait at least 7 days after the end of the month to give all fee updates time to arrive. You will then have final net amounts.

Can actual fees differ significantly from the estimation?

Yes, in certain cases:

Case	Typical gap
Standard European card	A few cents
Premium or foreign card	Up to 1% of the gross amount
Temporary platform promotion	Estimation higher than actual
Tariff renegotiation of the organization	Estimation offset until scale update
Currency conversion	Variable exchange fees

If you observe systematically high gaps between estimation and actual, contact the Unisoft team to adjust the scales applied to your instance.

For refunded payments

When a payment is refunded, most platforms do not return bank fees. The cost of fees therefore remains a loss for the organization. Unisoft keeps track of fees in the detail panel even after refund.

A few (rare) platforms return the fees in case of quick refund — check your contract.

Go further

• Understanding bank fees — the complete mechanics
• View payment details
• Export for accountant — when to export to have reliable data
• Developers module — manage webhooks