Etsy Payments Decoder

Etsy's real take rate — transaction, processing, listing and Offsite Ads fees as a share of sales this month — from your own statement, not the fee page.

$14one-time · VAT included · no subscription

Free files

BLIKPrzelewy24VisaMastercardApple PayGoogle PayPayPal

✓Download page opens right after payment + links by e-mail. No account.

✓Excel 2016+ / Microsoft 365 · Google Sheets (upload to Drive)

✓Light + Dark · USD GBP EUR AUD CAD INR · PLN pricing — every edition in one download

✓Free updates forever · 14-day refund

Part of Q4 Seller Pack (7 files, $79) and The Side-Hustle Starter Kit (6 files, $45) — and of the Complete Collection (119 files, $99).

The ritual page

What the file tells you

Etsy's fee page says 6.5%. Your statement says something else. Paste the monthly statement CSV and the sheet classifies every line — transaction, processing, listing, Offsite Ads, Etsy Ads, labels, refunds, deposits — and gives you one number for your pricing sheet: what Etsy actually took.

01 · verdictFees — what Etsy actually took vs what you priced for, by type

02 · verdictRefunds & Offsite Ads — what is eating the margin, and the Etsy Ads cap

03 · verdictCash — what is left, what is deposited, what is still in the balance

Sheets in the workbook

✓Report · real take rate, three verdicts, six months, three tasks

✓Paste · your monthly statement CSV in Etsy's exact column order; every line classified and flagged

✓Months · twelve months of sales, fees, ads, labels, refunds, net, deposits

✓Settings · the take rate you priced for and the limits you tolerate

How it works

1Set what you expect — take rate, refund rate, Offsite Ads share, ads cap — once

2Paste the statement — Finances → Payment account → monthly statement CSV → paste the rows

3Open Report — real take rate, three verdicts, three tasks — ten minutes a month

Who it is for

Etsy sellers who have never reconciled the statement and suspect the fee page is optimistic.

Dark edition included

Do I need Excel?

Excel 2016+ or Microsoft 365. Or upload the .xlsx to Google Drive — it opens in Sheets with formulas and charts intact.

Can I pay with BLIK?

Yes — BLIK, Przelewy24, any card, Apple Pay, Google Pay and PayPal. Prices in PLN, EUR, USD or GBP; the currency switch is at the top.

Invoice for my company?

Tick “I’m purchasing as a business” at checkout and enter your NIP / VAT ID. The invoice arrives with the download e-mail.

What if it isn’t for me?

14-day refund, no questions. One e-mail to [email protected].

Pairs well with

More Sellers files →