Payment processing inherently comes with costs of all kinds—bank fees like interchange rates, assessment fees from card brands, and processor fees from the payment processors themselves. Understanding what costs you're accumulating and from where can help your business assess overall profitability and performance. When you know where costs come from, you might even find opportunities to reduce them and improve your bottom line!

The Costs section of your Peacock Service Panel demonstrates your payments costs over time, helping you identify the sources of the biggest drains on your revenue. Costs contains the following pages:

• Fees
• Invoices
• Effective Rate
• Interchange & Assessments

🚧

Important Notes About the Costs Pages:

• The Date Range filter defaults to a Monthly time interval, because processors provide cost data on a monthly cadence.
• Any time-sensitive data appears in Coordinated Universal Time (UTC).

Navigating the Costs Pages

Below is a basic outline of how to navigate around your Costs pages. For more details on a specific Costs page, see the affiliated section.

To navigate the Costs pages:

1. Click Costs in the main navigation, then click the desired Costs page. For Fees and Invoices, choose the appropriate page to view your data broken down by Category or by Subcategory.
   1. Fee categories include Interchange, Assessments, Processor, and more. View our Fee Type Category Codes reference guide for a complete list.
   2. Fee subcategories further break fees down by details such as value added services, adjustments, processor penalties, and more. View all subcategories in our Fee Type Subcategory Codes reference guide.
2. Click a tab at the top of the page to determine how you want to view the distribution of your cost data, for example by Processor or Network. The tab options are different on each Costs page.
3. Use the Date Range filter in the top-right corner of the page to change the time period. You can view data broken down by Month, Quarter, or Year.
4. Click Add Filter to filter for specific segments of cost data. Learn more about the filter options available in Costs pages in the section below.
5. Each page contains a graph and a table, demonstrating your cost data for the chosen time period. How your cost data is broken down in these visualizations depends on the page and tab you select.
   1. Click the Compare to Previous Period toggle to add the cost data from the previous period to the graph.
   2. Manipulate the data using the Dimensions drop-down.
6. Click Export on a table to download the data as a CSV. If you’ve filtered or manipulated the data in the UI, the downloaded data will reflect those customizations.

Fees

There are two separate pages for viewing your fee data: Fees by Category and Fees by Subcategory. Within either page, you can select from the following tabs to determine how we'll organize the data:

• Overview
• Processor
• Network
• MID

The Total Fees value at the top of the page shows the total amount of fees your business has faced in the chosen time period, along with a comparison to the previous time period. The page then contains the following visualizations:

• Fee Distribution visual
• Stacked bar graph titled Fees Category/Subcategory Costs
• Table titled Fees Category/Subcategory Breakdown

The tab you choose determines the breakdown of the fee distribution, the graph's x-axis, and the table's column headers. For example, in the Processor tab of the Fees by Category page, you’ll find a distribution of total fees by processor at the top. The Fees Category Costs graph lists each of your processors on the X-axis, and the bars demonstrate your total fee amount for each processor broken down by fee category. The table includes rows for each fee category and columns for each processor. Use the Dimensions drop-down to customize the table.

Invoices

❗️

Note:

The Invoices pages only shows data imported from Adyen and Braintree.

There are two separate pages for viewing your invoice data: Invoices by Category and Invoices by Subcategory. Within either page, you can select from the following tabs:

• Overview
• Processor
• MID

The Total Invoices value at the top of the page shows the total amount of fees your business has been invoiced by Adyen and/or Braintree in the chosen time period, along with a comparison to the previous time period. The page then contains the following visualizations:

• Invoice Distribution visual
• Stacked bar graph titled Invoices Category/Subcategory Costs
• Table titled Invoices Category/Subcategory Breakdown

The tab you choose determines the breakdown of the invoice distribution, the graph's x-axis, and the table's column headers. For example, in the MID tab of the Invoices by Category page, you’ll find a distribution of total invoices per MID at the top. The Invoices Category Costs graph lists each of your MIDs on the X-axis, and the bars demonstrate your total income amount for each MID broken down by invoice category. The table includes rows for each invoice category and columns for each MID. Use the Dimensions drop-down to customize the table.

Effective Rate

❗️

Note

• The Effective Rate page only shows data imported from the following processors: Adyen, Braintree, Chase, dLocal, Klarna, PayPal, Stripe, and Worldpay (Vantiv)
• At this time, you can’t use the Payment Method Type or Card Brand Data filters to filter Braintree data on the Effective Rate page.

Effective rate is calculated by dividing your total fee amount by your total sale amount. The total sale amount includes your total processed transaction amount, inclusive of even those transactions that were later charged back or refunded; the total fee amount includes all interchange, assessment, and processor fees.

On the Effective Rate page, you’ll find a line graph demonstrating your effective rate over the last 3 months, along with a table containing the same data. Select from the following tabs at the top of the page to view your effective rate for segments of your transaction volume:

• Overview
• Processor
• Network
• MID
• Payment Method Type
• Settlement Currency

The tab you choose determines what customer segments the graph and table show effective rate data for. If you select the Network tab, for example, the graph will include lines charting the effective rate over time for each card brand you’ve processed transactions for. Use the table to remove or add specific card networks to the graph.

Interchange & Assessments

❗️

Note:

The Interchange & Assessments page only shows data imported from Adyen.

Using the Interchange and Assessments page, you can dig into the costs your business faces specifically from fees in the Interchange and Assessments cost categories. Select from the following tabs to change how we organize the data:

• Overview
• Network
• MID

The Total Fees value at the top of the page shows the total amount of Interchange and Assessment fees your business has faced for transactions processed through Adyen in the chosen time period, along with a comparison to the previous time period. The page then contains the following visualizations:

• Fee Distribution visual
• Stacked bar graph titled Interchange & Assessments Costs
• Table titled Interchange & Assessments Breakdown

The tab you choose determines the breakdown of the Fee Distribution, the graph's x-axis, and the table's column headers. For example, in the Network tab, you’ll find a distribution of your total Interchange and Assessment fees by card brand. The Interchange & Assessments Costs graph lists each card network on the X-axis, with the bars demonstrating your total fee amount for each brand broken down by fee subcategory. The table includes rows for each fee subcategory and columns for each card network. Use the Dimensions drop-down to customize the table.

Cost Filters

The Costs section only shows data related to payment processing costs. As such, not all of the filter options available elsewhere in Peacock apply to this section. You can use the following filters to segment the data displayed in the Costs pages:

• Date Range
• Processor
• Card Brand
• Card Type (this filter only applies to the Interchange & Assessments page)
• Payment Method Type
• Settlement Currency

Dimensions Drop-Down Menu

The tables in the Fees, Invoices, and Interchange & Assessments pages contain a unique Dimensions drop-down menu. Using this feature, you can select the dimensions you want to further break down your payments data by in the table—essentially mimicking pivot tables but within the Peacock Service Panel.

To customize your data groupings:

1. Click the Dimensions drop-down menu.
2. Click Select Dimension to pick the first dimension to group your data by.
3. A + icon will then appear on each row in the table. Click this icon to expand additional rows that subdivide your data by the first dimension.
4. Click Dimensions again, then click Select Dimension to pick a second dimension to further subdivide your data by.
5. Each row created by the first dimension will now have a +; click this icon to expand further subdivided rows of data.

For example, say you applied the following dimensions to the Fees Category Breakdown table on the Fees by Category page:

• First Dimension: Processor
• Second Dimension: Network

Your chart rows would then look like this:

To remove a dimension from a table, click the Dimensions drop-down menu, click on the dimension, then click None.