Every fee checked against the rate you agreed.
Fee Checker reads the MDR, commission and charges on every transaction and compares them with your agreed rate cards for each acquirer, gateway and platform. Overcharges are totalled by provider and a claim letter is drafted for your accounts team to review and send.
| Card type | Txns | Agreed | Charged | Excess | Status |
|---|---|---|---|---|---|
| Debit · domestic | 9,812 | 0.9% | 0.9% | ₹0 | OK |
| Credit · domestic | 7,420 | 1.6% | 1.6% | ₹0 | OK |
| Credit · premium | 312 | 1.6% | 2.1% | ₹3,900 | Claim drafted |
| GST on MDR | 18,402 | 18% | 18% | ₹0 | OK |
| Delivery commission | 3,118 | 22% | 22.4% | ₹1,212 | Review |
Inside Fee Checker
Rate cards per provider
Enter each agreed rate by card network, card type, ticket size, UPI category or platform commission slab.
Every line checked
Fees are recalculated on each transaction, not sampled, including GST on MDR and fixed charges.
Hidden deductions
Platform ad charges, packaging fees, penalties and cancellations deducted without matching orders.
Claim letters drafted
A letter listing the transactions, agreed rate, charged rate and excess, ready for your accounts head to sign.
Effective rate tracking
See the true blended cost of each payment method per outlet, month over month.
Claim follow-up
Track each claim as drafted, sent, acknowledged and credited, with the credit matched in your bank.
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Load your rate cards
Upload agreements or enter rates. Each rate is tied to a provider, MID and date range.
Fees recalculated
Each transaction gets an expected fee, compared with what was actually deducted.
Excess totalled
Overcharges are grouped by provider, card type and month.
Claim drafted
A claim letter with the transaction list is prepared for your team to review and send.
Common overcharges it catches
- Premium or international card rates applied to domestic cards
- Old rate still charged after a renegotiated agreement
- GST charged on amounts that are not fees
- Commission charged on cancelled or refunded orders
- Fixed fees charged twice on the same settlement
- Platform deductions with no order reference
About Fee Checker
Does Swipellet send claims to our acquirer?
No. Swipellet drafts the claim letter and the supporting transaction list. Your accounts team reviews, edits and sends it.
Will we always get the money back?
Outcomes depend on each provider's terms and your agreement. Fee Checker gives you the evidence and tracks whether a credit arrives.
What if we never had a written rate card?
Fee Checker shows the effective rate each provider has been charging, which is often the starting point for a renegotiation.
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Reconcile your first month free. One month of payments, up to 3 outlets, every feed connected.