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Payouts and Partial Penny Settlement

Ryan Pillsbury avatar
Written by Ryan Pillsbury
Updated over 2 months ago

💵 Why Doesn’t the Math Always “Add Up”?

(It Actually Does!)

🧠 TL;DR

If your payout looks like $353.05, and you’re thinking:

“Hmm… I was charged $363.90, and the fees were $10.86 — but that should leave $353.04, not $353.05…”

You’re not wrong to ask! But this isn’t a mistake — it’s just how tiny fractions of a cent work in payments. Here’s what’s really happening 👇


🧩 What You See

Let’s look at your payment:

  • Total charged: $363.90

  • Fees: $10.86

  • Payout: $353.05

If you subtract: $363.90 - $10.86 = $353.04

But your payout says $353.05.


🧠 What’s Actually Happening

Behind the scenes, that $10.86 fee isn’t just one number. It’s made up of several smaller fees, like:

  • An authorization fee

  • A discount rate (percentage of the charge)

  • Other platform or network fees

Each one is calculated separately. These tiny parts sometimes come out like:

  • $0.305

  • $10.555

  • $0.0002

They get rounded individually before they’re shown to you as a single fee total ($10.86).

But when we calculate your final payout, we use the original exact values (before rounding). That’s why you might see a one-penny difference in your payout.


🍕 Pizza Example Time!

Let’s say you split a pizza into three parts, and each person gets about 33.33%.

  • That totals 99.99%, not 100%.

  • One tiny crumb of pizza is left over.

  • That crumb has to go somewhere.

Same thing happens with money. Tiny fractions of a penny (crumbs!) are part of the real math, and when the system totals them up, one extra penny may go to the payout — even if the fees look like they already added up cleanly.


✅ The Bottom Line

  • No money is lost or missing.

  • The math is correct, even if it doesn’t look perfect at first glance.

  • We use high-precision math behind the scenes, then round for display.

This is how modern payment systems handle real-world money — and it’s all industry standard and compliant.


🧾 Want to double-check?

If you’re ever curious about a specific transaction, reach out and we’ll gladly walk through it with you. We can show you exactly how those pennies were sliced!

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