"Tint shop wallet payments: audit debit and prepaid before applying a fee"
"Source","https://bluefinchadvisors.com/blog/tint-shop-digital-wallet-debit-surcharge-audit"
"Basis","This planning scenario uses the values entered. It is not an industry benchmark or a quote."

"Inputs","Value","Unit"
"Total wallet-paid transaction base","10000","currency"
"Confirmed credit-funded wallet base","5000","currency"
"Confirmed debit-funded wallet base","3500","currency"
"Confirmed prepaid-funded wallet base","500","currency"
"Uniform added fee being audited","3","percent"

"Results","Value","Unit"
"Confirmed debit and prepaid base","4000","currency"
"Wallet base still unclassified","1000","currency"
"Illustrative debit/prepaid charge to review","120","currency"

"Calculation detail","Value","Unit"
"Confirmed credit base","5000","currency"
"Charge on unclassified base to investigate","30","currency"

"Assumptions"
"Starting values are examples, not market benchmarks or payment quotes."
"Use one currency and a consistent before-tax basis. Work out taxes and program-specific adjustments separately."

"Result notes"
"The fee input is an audit assumption, not a surcharge recommendation or cap."
"Use actual transaction-level fees when available. Different rates, rounding, refunds, or tax bases can change the exact remediation total."

"Sources"
"Apple: choosing the payment card used in Apple Pay","https://support.apple.com/en-us/102626"
"Mastercard: merchant surcharge rules and debit exclusions","https://www.mastercard.us/en-us/business/overview/support/merchant-surcharge-rules.html"
"Visa: merchant fees, rules, and surcharge disclosure","https://usa.visa.com/support/small-business/regulations-fees.html"
"Stripe: payout reconciliation reports","https://docs.stripe.com/reports/payout-reconciliation"
"Stripe: refund destinations, partial refunds, and refund status","https://docs.stripe.com/refunds"