Three numbers, not one
Every card payment has three parts: what the processor takes, what MatPilot takes, and what lands in your account. MatPilot puts all three on the payment itself. The processor's fee is read from Stripe for that exact charge, not estimated, not averaged. MatPilot's platform fee is 0.49% on the Pro plan and 2% on Free, and it is printed right there next to it. What is left is yours.
The numbers come from Stripe, not from us. MatPilot reads each payment's actual fees out of your own Stripe account. If the processor charged a few cents more on one payment and a few cents less on another, that is exactly what you see, payment by payment.
Your money never touches ours
MatPilot runs on Stripe Connect: your academy connects its own Stripe account, and members pay you directly. Card, your Stripe account, your bank. The money never passes through MatPilot. Our 0.49% is collected as a fee on the payment, the same way the processor's is, so there is no day where your revenue sits in somebody else's account waiting to be forwarded to you.
That is the difference between a payment processor and a payment collector. A collector takes your members' money into its own account and forwards it to you on its schedule. With MatPilot, the Stripe account is yours, the payouts are yours, and the relationship with the money is between you and your bank.
Where you see it
Open the Payments screen and tap any payment. It unfolds into the three lines: what the processor took, what MatPilot took, what you kept. No spreadsheet, no month-end statement, no reverse-engineering a lump sum. Every payment answers for itself.
Cards or ACH, and the number that decides it
In the US the two rails are not close. Stripe charges 2.9% + $0.30 on a card and 0.8% capped at $5.00 on ACH bank debit. On a $150 membership that is $4.65 against $1.20, every month, per member. Nobody notices, because the fee comes out before the money arrives and there has never been a screen that put the two totals next to each other.
MatPilot does the sum on your own payments: what your card payers actually cost you last month, and what the same members would have cost on ACH. Then it lets you invite them to switch, and reward them for it if you want to. The difference stops being a guess and becomes a number you can act on.
The honest version of the pitch. ACH is cheaper, not free, and not right for everybody: it settles slower than a card and the member has to authorize it once. We would rather show you the real gap on your own numbers than put a made-up percentage on a landing page. The screen does the math on your real payments and you decide who to move.