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

From one sale to three payment apps

How this skill checks your payment app against your books — shown one level at a time, from a single $100 sale up to Stripe, Square and PayPal feeding one bank account. Every rule is quoted from the skill itself, and every number is worked through in front of you.

The rules are the skill's ownEach one is quoted with the file and step it comes from, so you can read it yourself.
Each rule is backed by an authorityStripe, Square and PayPal's own documentation, the IRS and the IFRS Foundation — numbered and linked.
The math is shownOpen "Check it yourself" on any level and follow every line on a calculator.
Your numbers, your checkAt the end, put in your own month and watch the same rules run.
Rule — quoted from the skill Fact — from a cited authority, numbered like 1 Example — made-up figures, worked out on 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. Tax and fee adjustments are left out of the examples 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

Fill in one month from your payment app's report and your books, or load one of the levels above. The page runs Rules 1, 2 and 3 as you type. Nothing is sent anywhere.

From your payment app
From your books
Check fees against the published price

Published US rates as listed by Stripe1, Square5 and PayPal7, checked 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. Rates and timings are as published when checked on 20 October 2026 — follow the link for today's figure.

    Not backed by an outside authority: keeping a separate clearing account for each payment app 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 firstMosofin or upload? Which payment app? Which month? Each sale or one entry per payout? Any money held back?
    NeedsYour books — connected or exported — the payment app's payout report, and the bank statement.
    Gives backDoes it match, what's off and why, suggested corrections, and where every number came from.
    NeverChanges your books, moves money, or guesses a number. It reads nothing before you say yes.