PayPal Activity Decoder

Effective PayPal rate — fees on payments ÷ gross payments this month, from the activity download — cross-border fees and currency conversion included.

$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 the Complete Collection — 119 workbooks, every edition, future releases, $99.

The ritual page

What the file tells you

PayPal's rate is the least of it — cross-border fees, currency conversion spreads and money held for disputes are where the margin goes. Paste the activity download and see the real rate, what is held, what was lost to conversion, and what is still sitting in the balance.

01 · verdictFees — effective rate vs the quote, conversion cost

02 · verdictRefunds & disputes — money held for investigations, chargeback rate, refunds

03 · verdictCash — what is still sitting in the balance, what was withdrawn, conversion share

Sheets in the workbook

✓Report · effective rate, three verdicts, six months, three tasks

✓Paste · the PayPal activity download in its column order; every line classified and flagged

✓Months · twelve months of gross, fees, rate, refunds, chargebacks, conversion, withdrawals

✓Settings · the rate you were quoted and the limits you tolerate

How it works

1Set the quote — rate, fixed fee, dispute and refund limits, conversion cost you accept — once

2Paste the download — Activity → Download → CSV → paste the rows

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

Who it is for

Sellers of digital goods and services who get paid through PayPal and have never added up the fees.

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

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