MosoFin skill · merchant-and-payment-processor-rec · learning guide

From one sale to three payment apps

This page shows one level at a time how the skill checks your payment app against your books. The levels go from a single $100 sale up to Stripe, Square and PayPal that feed one bank account. The page quotes every rule from the skill itself and works through every number in front of you.

The rules are the skill's ownThe page quotes each rule with the file and step it comes from, so you can read it yourself.

An authority backs each ruleThe sources are Stripe, Square and PayPal's own documentation, the IRS and the IFRS Foundation. Each source has a number and a link.

The page shows the mathOpen "Check it yourself" on any level. Follow every line on a calculator.

Your numbers, your checkAt the end, enter your own month. Then watch the same rules run.

Rule: a quotation from the skill Fact: from a cited authority, with a number like ¹ Example: made-up figures, calculated with published rates

How it thinks

Five rules the whole skill runs on

Everything on this page is one of these rules applied to a bigger situation. The examples leave out tax and fee adjustments to keep the arithmetic short. The skill handles them too.

Learning path

Seven levels, from simple to complex

Check it yourself

Put in your own month

Enter one month from your payment app's report and your books. You can also load one of the levels above. The page runs Rules 1, 2 and 3 as you type. The page sends nothing anywhere.

From your payment app Gross sales charged Refunds Chargebacks Processing fees Payouts sent to your bank Balance it still holds at month end

From your books Waiting-room balance at start of month Sales recorded (after refunds) Processing fees recorded

Check fees against the published price Payment app and plan Number of charges in the month

These are the published US rates, as listed by Stripe¹, Square⁵ and PayPal⁷. We checked them on 20 October 2026. Your contract may differ. International cards, currency conversion and other plans cost more. The skill says "revenue ≈ net payouts" and "a near-empty fee account" without fixing a number. This page treats within 1% as "≈" and under 10% of the actual fees as "near-empty". Your own judgement may differ.

Sources

Where every fact on this page comes from

Rules are the skill's own. Facts below come from the payment apps' own documentation and from regulators and standard-setters. The rates and timings are the ones published when we checked on 20 October 2026. Follow the link for today's figure.

No outside authority backs one practice: keeping a separate clearing account for each payment app. This is bookkeeping practice that the skill requires, not a published standard. The page marks it as such where it appears.

Using it

What it asks, needs and gives back

Asks firstShould the data come from MosoFin or from an upload? Which payment app? Which month? Do you want each sale or one entry per payout? Does the payment app withhold any money?

NeedsThe skill needs your books, connected or exported, the payment app's payout report, and the bank statement.

Gives backThe skill reports whether the figures match, what is wrong and why, suggested corrections, and where every number came from.

NeverThe skill never changes your books, moves money or guesses a number. It reads nothing before you say yes.