Transactions
View and manage all financial transactions in your store.
Understanding Transactions
Direct Payment Model
All customer payments go directly to YOUR payment provider account (Stripe, PayPal, etc.). Pixlpay displays transaction data for your convenience but never holds or processes customer funds.
Transaction Overview
Go to Finance > Transactions to see:
- All payments received
- Refunds processed
- Payment status
- Estimated fee breakdowns
Transaction Types
| Type | Description |
|---|---|
| Payment | Successful customer payment |
| Refund | Refund issued to customer |
| Dispute | Chargeback or dispute filed |
Transaction Details
Each transaction shows:
Basic Information
| Field | Description |
|---|---|
| Transaction ID | Unique identifier |
| Date | When it occurred |
| Amount | Transaction amount |
| Status | Current status |
| Customer | Who paid |
| Order | Related order |
| Payment Method | Card, PayPal, etc. |
| Provider | Which payment gateway |
Payment Breakdown
| Component | Description |
|---|---|
| Gross Amount | Total customer paid |
| Estimated Fee | Payment provider's fee |
| Net Amount | Estimated amount you keep |
Example Breakdown
Gross Amount: $49.99 (what customer paid)
Estimated Stripe Fee: -$1.75 (2.9% + $0.30)
──────────────────────────────
Estimated Net: $48.24 (deposited to your Stripe)Fees Are Estimates
Pixlpay shows estimated fees based on standard rates. Actual fees are calculated by your payment provider and may vary based on:
- Card type (debit vs credit, rewards cards)
- Customer location (international cards)
- Payment method (Apple Pay, Google Pay)
- Currency conversion
Check your payment provider dashboard for exact amounts.
Fee Structure
Understanding Payment Fees
Important: All fees shown are charged by your payment provider, NOT by Pixlpay.
Pixlpay charges zero transaction fees. We earn revenue from monthly subscription plans, not from taking a cut of your sales.
Payment Provider Fees
Fees are set by each provider and go directly to them:
| Provider | Typical Card Fee | Notes |
|---|---|---|
| Stripe | 2.9% + $0.30 | Varies by country |
| PayPal | 2.9% + $0.30 | Plus currency conversion |
| Razorpay | 2% | Lower for UPI/Netbanking |
| Iyzico | 2.49% + TRY 0.25 | Turkey domestic |
| Mollie | 1.8% + €0.25 | Varies by method |
| Paystack | 1.5% + NGN 100 | Capped at NGN 2000 |
| Xendit | 2.9% + IDR 2000 | Varies by method |
| Paymob | 2.5% | Egypt cards |
| CoinPayments | 0.5% | Crypto transactions |
| Mercado Pago | 4.99% | Latin America |
| PayTR | 2.49% | Turkey domestic |
TIP
These are typical rates. Your actual rates depend on your agreement with each provider, your volume, and your account country.
What Pixlpay Charges
Pixlpay charges a monthly subscription fee based on your plan:
- Free plan: $0/month (limited features)
- Starter: Starting price/month
- Growth: Higher tier/month
- Pro: Premium tier/month
See Billing & Subscription for current pricing.
This subscription is billed separately from customer transactions.
Transaction Status
| Status | Meaning |
|---|---|
| Succeeded | Payment completed |
| Pending | Awaiting confirmation |
| Failed | Payment declined |
| Refunded | Fully refunded |
| Partially Refunded | Partial refund issued |
| Disputed | Customer filed dispute |
Searching Transactions
Find specific transactions by:
- Transaction ID
- Order number
- Customer email
- Amount
- Date range
Filters
| Filter | Options |
|---|---|
| Type | Payment, Refund |
| Status | Succeeded, Pending, Failed |
| Date Range | Custom date selection |
| Amount Range | Min/max amount |
| Payment Method | Card, PayPal, Crypto, etc. |
| Provider | Stripe, PayPal, Razorpay, etc. |
Refunds
Issuing a Refund
Refunds are processed from the order page:
- Go to Orders and find the order
- Click on the order to view details
- Click Refund button
- Enter refund amount
- Add reason (optional)
- Confirm refund
The refund goes back through the original payment provider.
Partial Refunds
Refund only part of the transaction:
- Enter specific amount
- Reason tracked in logs
- Multiple partial refunds allowed
- Up to original amount
Refund Timeline
| Payment Method | Refund Timing |
|---|---|
| Cards | 5-10 business days |
| PayPal | Instant to PayPal balance |
| Bank Transfer | 3-5 business days |
| Crypto | Varies by provider |
Refund Fees
Most payment providers do not return their processing fees when you issue a refund. For example:
- You receive $48.24 (after $1.75 Stripe fee)
- You refund $49.99
- You lose the $1.75 fee
Check your provider's refund policy for specifics.
Disputes & Chargebacks
When a customer disputes a charge:
How Disputes Work
- Customer contacts their bank/card issuer
- Bank files dispute with payment provider
- You're notified in Pixlpay and provider dashboard
- Funds are held during investigation
- You can submit evidence
- Bank makes final decision
Responding to Disputes
Gather evidence:
- Order confirmation emails
- Delivery proof (commands executed)
- Customer communication
- Terms of service acceptance
- Product/service description
Submit through your payment provider's dashboard.
Dispute Outcomes
| Outcome | Result |
|---|---|
| Won | Funds returned to you |
| Lost | Customer keeps refund + fee charged |
| Accepted | You don't contest |
Dispute Fees
Most providers charge a dispute fee ($15-25) regardless of outcome. This fee is:
- Charged by the payment provider
- Applied whether you win or lose
- Sometimes refunded if you win (provider-dependent)
Exporting Transactions
Export for accounting/tax purposes:
- Apply filters (date range, type)
- Click Export
- Choose format (CSV)
- Download file
Export Fields
| Field | Description |
|---|---|
| transaction_id | Unique ID |
| date | Transaction date |
| type | Payment/Refund |
| gross_amount | Total amount |
| estimated_fee | Provider fee estimate |
| net_amount | Estimated net |
| status | Current status |
| customer_email | Customer email |
| order_id | Related order |
| payment_method | Card type, PayPal, etc. |
| provider | Payment gateway used |
Payment Methods by Provider
Stripe
- Credit/debit cards (Visa, Mastercard, Amex)
- Apple Pay, Google Pay
- Klarna (BNPL)
- Link (saved cards)
- SEPA Direct Debit (Europe)
- And more depending on your Stripe configuration
PayPal
- PayPal balance
- Cards via PayPal
- Pay in 4 (BNPL)
- Venmo (US)
Regional Providers
| Provider | Payment Methods |
|---|---|
| Razorpay | Cards, UPI, Netbanking, Wallets |
| Iyzico | Turkish cards, BKM Express |
| Mollie | iDEAL, Bancontact, SEPA, Cards |
| Paystack | Cards, Bank Transfer, USSD |
| Xendit | Cards, OVO, GoPay, Dana, Bank Transfer |
| Paymob | Cards, Fawry, Mobile Wallets |
| CoinPayments | Bitcoin, Ethereum, 100+ cryptos |
| Mercado Pago | Cards, PIX, Boleto |
| PayTR | Turkish cards, Bank Transfer |
Financial Reports
Transaction Summary
The Transactions page shows:
- Total revenue (gross)
- Total estimated fees
- Net revenue estimate
- Refunds issued
- Transaction count
For Accurate Reporting
For exact financial data:
- Export from Pixlpay for order details
- Export from payment provider for actual fees
- Reconcile for complete picture
Best Practices
Daily Monitoring
- Check transactions daily
- Investigate failed payments promptly
- Respond to disputes within 24 hours
- Monitor for unusual patterns
Record Keeping
- Export transactions monthly
- Store for tax purposes
- Backup financial records
- Keep for 7+ years
Dispute Prevention
- Clear product descriptions
- Accurate delivery expectations
- Excellent customer service
- Easy refund process
- Prompt communication
Multi-Provider Strategy
If using multiple payment providers:
- Track revenue by provider
- Compare fee rates
- Route to optimal provider by region
- Have backup if one has issues