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:

1. Go to Orders and find the order
2. Click on the order to view details
3. Click Refund button
4. Enter refund amount
5. Add reason (optional)
6. 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

1. Customer contacts their bank/card issuer
2. Bank files dispute with payment provider
3. You're notified in Pixlpay and provider dashboard
4. Funds are held during investigation
5. You can submit evidence
6. 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:

1. Apply filters (date range, type)
2. Click Export
3. Choose format (CSV)
4. 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:

1. Export from Pixlpay for order details
2. Export from payment provider for actual fees
3. 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

Financial Analytics

The Finance > Financials dashboard provides comprehensive analytics to help you understand your store's financial performance.

Revenue Analytics

Track and visualize your revenue over time to identify trends and growth patterns.

Revenue Overview

The dashboard displays key revenue metrics:

Metric	Description
Total Revenue	Cumulative revenue for selected period
Revenue Change	Month-over-month growth percentage
Available Balance	Funds ready for payout
Next Payout	Upcoming payout amount and date

Revenue Charts

Revenue Over Time - Interactive line chart showing:

• Daily revenue trends
• Refund amounts overlaid
• 30-day, 90-day, or custom timeframes
• Hover for exact amounts per day
• Export chart data as CSV/PNG

Analyzing Revenue Trends

Look for patterns like:

• Weekly cycles (weekend vs weekday sales)
• Seasonal variations
• Impact of marketing campaigns
• Product launch spikes

Order Status Distribution

Understand your order pipeline with visual breakdowns:

Status	Meaning
Completed	Orders successfully delivered
Processing	Orders being fulfilled
Pending	Awaiting payment confirmation
Failed	Payment or delivery failed

Order Status Chart - Bar chart showing count by status:

• Identify bottlenecks in fulfillment
• Monitor failed order rates
• Track processing efficiency

High Failed Rate

If failed orders exceed 5%, investigate:

• Payment provider issues
• Checkout UX problems
• Fraud detection false positives
• Delivery system errors

Revenue by Category

Analyze which product types drive the most revenue.

Category Distribution Chart - Donut chart showing:

• Revenue percentage by product category
• Total revenue per category
• Performance comparison across categories

Use Cases:

• Identify top-performing product types
• Allocate marketing budget effectively
• Plan inventory based on category demand
• Optimize product portfolio

Top Products Performance

See which individual products generate the most revenue.

Top Products Table displays:

Column	Description
Product	Product name
Sales	Total units sold
Revenue	Total revenue generated
Avg Order Value	Revenue divided by sales count
Trend	Performance compared to previous period

Insights:

• Focus marketing on top performers
• Bundle slow products with bestsellers
• Consider expanding popular product lines
• Phase out consistently poor performers

Refund Analytics

Monitor refund patterns to identify issues and improve customer satisfaction.

Refund Overview Metrics

Metric	Description
Total Refunds	Amount refunded in period
Refund Count	Number of refunds issued
Average Refund	Mean refund amount
Refund Rate	Percentage of orders refunded
Net Revenue Impact	Revenue lost to refunds

Healthy Refund Rate

Industry benchmarks:

• Excellent: <2% refund rate
• Good: 2-5%
• Concerning: 5-10%
• Critical: >10%

High refund rates may indicate product quality issues, misleading descriptions, or delivery problems.

Refund Reason Tracking

Top Refund Reasons shows why customers request refunds:

• Reason description
• Count of refunds for that reason
• Percentage of total refunds
• Visual bar showing relative frequency

Common Reasons:

• "Changed my mind"
• "Item not as described"
• "Delivery issues"
• "Duplicate purchase"
• "Found better price"
• "Technical problems"

Action Items:

• Address most common reasons
• Update product descriptions for clarity
• Improve delivery reliability
• Enhance customer support

Refund History Chart

Refunds Over Time - Track refund trends alongside revenue:

• Identify refund spikes
• Correlate with specific events
• Compare refund patterns across periods
• Export data for deeper analysis

Financial Reports

Export and analyze your financial data for accounting, taxes, and business planning.

Exporting Transactions

The Export button on the Transactions page lets you download data in multiple formats.

Quick Export

1. Go to Finance > Transactions
2. Apply filters (date range, type, status)
3. Click Export
4. Download CSV file immediately

Exports currently visible filtered data.

Advanced Export

For more control, use the Advanced Export modal:

Export Options:

Option	Choices
Format	CSV, Excel (XLSX)
Date Range	Last 7/30/90 days, Custom range, All time
Transaction Type	All, Payments only, Refunds only
Status	All, Succeeded, Pending, Failed
Delivery	Instant download, Email when ready
Fields	Select specific columns to include

Custom Field Selection:

• Transaction ID
• Date & Time
• Description
• Type (Credit/Debit)
• Gross Amount
• Estimated Fee
• Net Amount
• Status
• Customer Email
• Order Number
• Payment Method
• Payment Provider
• Reference ID
• Metadata

Large Exports

For exports with >10,000 transactions:

• Choose "Email when ready"
• Export will be generated in background
• Download link sent to your email
• Files available for 7 days

Date Filtering

Filter transactions by date range for specific reporting periods:

Date Range Filters:

• Custom Range: Select exact start/end dates
• Last 7 Days: Rolling week
• Last 30 Days: Rolling month
• Last 90 Days: Rolling quarter
• Month to Date: Current month
• Quarter to Date: Current quarter
• Year to Date: Current year
• Last Month: Previous calendar month
• Last Quarter: Previous calendar quarter
• Last Year: Previous calendar year
• All Time: Complete transaction history

Date Filter Tips:

• Use "Month to Date" for current month reports
• Use "Last Month" for monthly reconciliation
• Use "Quarter to Date" for quarterly taxes
• Use "Year to Date" for annual financial planning

Report Types

Generate specialized reports for different purposes:

Tax Reports

For Tax Filing:

1. Export all transactions for tax year
2. Include: Date, Type, Gross Amount, Net Amount
3. Reconcile with payment provider statements
4. Consult tax professional for requirements

Tax Considerations:

• Platform fees are business expenses
• Payment provider fees are deductible
• Refunds reduce taxable revenue
• Keep records for 7+ years

Accounting Reports

For Bookkeeping:

1. Export transactions monthly
2. Match against bank deposits
3. Record payment provider fees
4. Reconcile refunds and disputes

Recommended Format:

• Date
• Description
• Gross Amount
• Provider Fee
• Net Amount
• Status
• Reference ID

Monthly Reconciliation

Process:

1. Export last month's transactions
2. Export last month's payouts
3. Verify totals match
4. Check for pending/failed items
5. Investigate discrepancies

Item	Source
Transactions	Finance > Transactions export
Payouts	Finance > Payouts export
Actual Deposits	Payment provider dashboard
Bank Deposits	Bank statement

Financial Planning Reports

For Business Insights:

Export with date grouping for trends:

• Weekly revenue totals
• Monthly growth rates
• Seasonal patterns
• Year-over-year comparisons

Analytics Export:

Beyond transactions, export analytics data:

1. Go to Analytics dashboard
2. Select time range
3. Click Export Analytics
4. Receive comprehensive report with:
   • Revenue trends
   • Order status breakdown
   • Product performance
   • Refund analytics
   • Customer metrics

Export Formats:

• CSV: For spreadsheet analysis (Excel, Sheets)
• Excel: Pre-formatted with charts and summaries
• PDF: For sharing with stakeholders

Export History

Track all your previous exports:

View Export History:

1. Go to Finance > Export History
2. See all past exports
3. Re-download within 7 days
4. View export parameters used

Export History Details:

• Export type (Transactions, Orders, Analytics)
• Date created
• Date range covered
• File format
• Status (Completed, Processing, Failed)
• Download link (if available)
• Expiry date

Export Expiry

Downloaded files are deleted after 7 days for security. Re-generate exports if needed after expiry.

Best Practices for Financial Reporting

Regular Export Schedule

Recommended Cadence:

• Daily: If high transaction volume
• Weekly: For active stores
• Monthly: Minimum for all stores
• Quarterly: For tax preparation
• Yearly: For annual reports

Data Backup

Backup Strategy:

1. Export transactions monthly
2. Store in secure cloud storage
3. Keep local backups
4. Organize by year/month
5. Test restoring from backup

Multi-Source Reconciliation

For Accuracy:

1. Pixlpay Export: Order details, customer info
2. Payment Provider: Exact fees, actual deposits
3. Bank Statement: Confirmed received funds
4. Accounting Software: Complete financial picture

Reconciliation Checklist:

• [ ] Pixlpay transaction total matches provider
• [ ] Provider payout total matches bank deposit
• [ ] Refunds recorded correctly
• [ ] Fees match provider statement
• [ ] Disputes/chargebacks accounted for
• [ ] All periods reconciled
• [ ] Discrepancies investigated

Analytics-Driven Decisions

Use financial analytics to:

Revenue Optimization:

• Promote high-revenue products
• Discount slow-moving inventory
• Time sales based on revenue patterns
• Optimize pricing by category

Cost Reduction:

• Compare payment provider fees
• Route to cheapest provider by region
• Negotiate better rates with volume
• Minimize refunds through quality improvement

Growth Planning:

• Identify growth trends
• Forecast future revenue
• Plan inventory based on demand
• Allocate resources to top categories

Data-Driven Store Management

Review financial analytics weekly to spot trends early. Monthly deep dives into reports help with long-term planning.