Why don't my Fitli processing fees match my USIO invoice?
Fitli and USIO calculate and report processing fees differently.
USIO is the processor of record and bills the actual processing fees charged by the card networks.
Fitli displays an estimated processing fee for reference purposes only.
Because of differences in calculation method and reporting timing, the two numbers will often not match exactly.
Which number is the "real" processing fee?
The USIO invoice is always the authoritative source for processing fees.
Fitli's processing fee value is an estimate intended to provide directional visibility, not to replace the processor invoice.
How does USIO calculate processing fees?
USIO calculates processing fees based on:
2.9% of the full settled transaction amount
$0.30 per transaction
Fees are calculated on the total amount charged to the customer, including applicable sales tax
USIO invoices transactions based on settlement date, not transaction date.
How does Fitli calculate processing fees?
Fitli's processing fee value is an estimate calculated as:
2.9% of the pre-tax transaction amount
$0.30 per transaction
Sales tax is not included in Fitli's fee estimate, which is why Fitli's total may appear lower than the USIO invoice.
Why doesn’t Fitli include sales tax in the estimated fees?
When the processing fee estimate was originally added, most Fitli customers did not charge sales tax, so the estimate was designed around pre-tax amounts.
As tax support was added later, this difference became more visible for businesses that do charge tax. This was an oversight in the original estimate logic and has been identified for improvement. Depending on timing, this may already be updated or improved.
Regardless, the USIO invoice remains the source of truth for actual processing fees.
Why do the date ranges sometimes differ between Fitli and USIO?
Fitli and USIO report activity using different dates.
Fitli reports transactions based on when they are created.
USIO invoices transactions based on when they settle with the card networks.
Because card payments are processed in batches and settle after the transaction date, reporting periods may overlap slightly even though all transactions are accounted for correctly.
Which Fitli report should I use to reconcile volume and transaction count?
The Disbursement Report in Fitli is the best report to compare against a USIO invoice for reconciliation.
It matches USIO on transaction count.
It matches USIO on total processed volume.
It reflects activity by settlement timing.
The Disbursement Report does not include processing fees or estimated fees, but it is the most accurate Fitli report for validating invoice volume.
Are any transactions or fees missing?
No.
When reconciled using settlement timing, the transaction count and total processed volume match, and all fees billed by USIO are accounted for.
Any difference in fee totals is due to how fees are calculated, not missing or duplicated transactions.
What should I use for accounting or tax purposes?
For final accounting and tax reporting:
Use USIO invoices for processing fees
Use Fitli Disbursement and transaction reports for volume and activity detail
Fitli's processing fee value should be treated as an estimate only.
Who can I contact if I still have questions?
If you have questions about a specific invoice or date range, Fitli support can help review the details with you.
Help Center
Why don't my Fitli processing fees match my USIO invoice?
Fitli and USIO calculate and report processing fees differently.
USIO is the processor of record and bills the actual processing fees charged by the card networks.
Fitli displays an estimated processing fee for reference purposes only.
Because of differences in calculation method and reporting timing, the two numbers will often not match exactly.
Which number is the "real" processing fee?
The USIO invoice is always the authoritative source for processing fees.
Fitli's processing fee value is an estimate intended to provide directional visibility, not to replace the processor invoice.
How does USIO calculate processing fees?
USIO calculates processing fees based on:
USIO invoices transactions based on settlement date, not transaction date.
How does Fitli calculate processing fees?
Fitli's processing fee value is an estimate calculated as:
Sales tax is not included in Fitli's fee estimate, which is why Fitli's total may appear lower than the USIO invoice.
Why doesn’t Fitli include sales tax in the estimated fees?
When the processing fee estimate was originally added, most Fitli customers did not charge sales tax, so the estimate was designed around pre-tax amounts.
As tax support was added later, this difference became more visible for businesses that do charge tax. This was an oversight in the original estimate logic and has been identified for improvement. Depending on timing, this may already be updated or improved.
Regardless, the USIO invoice remains the source of truth for actual processing fees.
Why do the date ranges sometimes differ between Fitli and USIO?
Fitli and USIO report activity using different dates.
Fitli reports transactions based on when they are created.
USIO invoices transactions based on when they settle with the card networks.
Because card payments are processed in batches and settle after the transaction date, reporting periods may overlap slightly even though all transactions are accounted for correctly.
Which Fitli report should I use to reconcile volume and transaction count?
The Disbursement Report in Fitli is the best report to compare against a USIO invoice for reconciliation.
It matches USIO on transaction count.
It matches USIO on total processed volume.
It reflects activity by settlement timing.
The Disbursement Report does not include processing fees or estimated fees, but it is the most accurate Fitli report for validating invoice volume.
Are any transactions or fees missing?
No.
When reconciled using settlement timing, the transaction count and total processed volume match, and all fees billed by USIO are accounted for.
Any difference in fee totals is due to how fees are calculated, not missing or duplicated transactions.
What should I use for accounting or tax purposes?
For final accounting and tax reporting:
Fitli's processing fee value should be treated as an estimate only.
Who can I contact if I still have questions?
If you have questions about a specific invoice or date range, Fitli support can help review the details with you.