Payments

Factor Payment Processing Costs into Every Margin Calculation

Agentis reads your Stripe fee schedule (including Amex vs Visa differentials, BNPL surcharges, and international card fees) to calculate true net margin per order.

How It Works

Agentis connects to your Stripe account via the Balance Transaction API to read the actual processing fee for each payment. Instead of using a flat 2.9% estimate, Agentis knows the exact fee: 3.5% for Amex, 2.9% + 0.30 for domestic Visa, 4.4% for Klarna/Afterpay BNPL, and so on. This fee flows into each order's net margin calculation after the order is placed, so your profit floor accounts for the real cost of the payment method the customer used.

Data Flows

  • →Payment method type and card brand from Stripe → Agentis fee model
  • →Actual processing fees per transaction from Stripe Balance Transactions → Agentis margin engine
  • →BNPL provider surcharge data (Klarna, Afterpay) from Stripe → Agentis cost layer
  • →Dispute and chargeback fees from Stripe → Agentis post-order margin adjustment

Benefits

  • Stop underestimating payment costs: Amex orders cost 20-40% more to process than Visa
  • Automatically adjust profit floors for BNPL orders where fees can exceed 5%
  • Include chargeback and dispute costs in true order-level profitability calculations
  • Identify which payment methods are eroding margin and take action with data

Setup

  1. 1Connect your Stripe account to Agentis via OAuth (read-only scope)
  2. 2Agentis auto-detects your fee schedule, including any negotiated rates
  3. 3Configure whether payment-method-driven margin breaches are flagged, held before fulfillment, or only reported

Technical Details

Agentis uses the Stripe Connect OAuth flow with read-only permissions (balance.read, charges.read) to access your account. We query the Balance Transaction API to extract actual per-transaction fees, and the Payment Intent API to identify the payment method and card brand on each order. For BNPL providers (Klarna, Afterpay, Affirm), we read the provider-specific fee from Stripe's fee breakdown. Data syncs occur via webhooks (charge.succeeded, charge.dispute.created) as events happen.

Frequently Asked Questions

Does Agentis support payment processors other than Stripe?

Stripe is our primary payments integration. We also support Shopify Payments (which runs on Stripe) and are building connectors for Braintree and Adyen. Contact us for your specific processor.

Can Agentis act on orders where a payment method's fee breaks the margin floor?

Yes. You can configure rules like 'flag Amex orders that land below 15% net margin' or 'hold BNPL orders on sale items for review.' Agentis applies them after the order is placed and before it ships. It does not hide or change payment methods at checkout; the data also shows which methods are eroding margin so you can adjust payment settings yourself.

How does Agentis handle Stripe's negotiated pricing?

Agentis reads your actual fees from the Balance Transaction API, so it automatically reflects any custom or negotiated rates you have with Stripe. No manual fee configuration needed.

Related Solutions

Solution

Shopify Plus Profit Analytics

Go beyond Shopify's native reporting. Agentis computes true net margin on every Shopify Plus order within 60 seconds, using live NetSuite COGS, freight, fees, and FX, and flags or holds below-margin orders before they ship.

Solution

DTC Brand Margin Protection

Stacked promos, influencer codes, and free-shipping thresholds can push an order below breakeven. Agentis checks every DTC order's true margin within 60 seconds and flags or holds below-floor orders before they ship.

Key Concepts

Margin Analysis

Margin Leakage

The gradual, often undetected loss of profit across many orders, driven by small per-order cost overruns that compound into significant revenue erosion over time. Also called revenue leakage, a term more common in marketplace-seller (Amazon/Walmart) contexts for the same underlying pattern.

Margin Analysis

Order Profitability

The true net profit of a single order after deducting all variable costs: COGS, shipping, discounts, payment fees, fulfillment labor, and return allowances.

Margin Analysis

Gross Margin

The percentage of revenue remaining after subtracting the cost of goods sold, a foundational profitability metric that excludes operating expenses, taxes, and interest.

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