By platform
Fee leaks by platform type
The four leak vectors are universal; the way they bite is not. Each page maps unreversed transfers, kept fees, uncovered disputes and FX drag onto a specific transaction shape — with modelled arithmetic you can replace with your own scan output in minutes.
Consumer marketplaces
Fee leaks on marketplaces: every refund is a three-way split you are losing by default
Marketplaces run destination charges at scale: every refund debits the platform while sellers keep transfers. The four leak vectors modelled against marketplace volume, and the free audit.
Home-services platforms: cancellations and partial refunds are your biggest leak
Cleaning, trades, repairs: ticket volatility means partial refunds daily. Where unreversed transfers hide in cancellation flows, with modelled arithmetic.
Freelance platforms: milestones, cancellations, and the transfer that never reversed
Milestone releases, project cancellations and dispute-prone clients give freelance platforms a distinctive leak profile. The four vectors mapped to milestone flows.
Tutoring and course marketplaces: the session that never happened
Cancelled sessions, no-show tutors, subscription course access — how education marketplaces leak through unreversed transfers and kept application fees.
Vacation-rental platforms: big tickets, long windows, expensive disputes
$1,200 bookings, 30-day cancellation ladders, cross-border guests and hosts: the leak profile of short-term-rental Connect platforms.
Delivery and gig platforms: small tickets, huge counts, death by rounding
At 50,000 orders a month, a $1.80 average leak per affected order is a salary. Volume economics, refund velocity, and why sampling fails at count.
Digital & creator economy
Digital-goods marketplaces: near-zero marginal cost, non-zero leakage
Templates, fonts, code, courses: instant fulfilment means instant refunds — and instantly stranded transfers. The digital-goods leak profile.
Creator platforms: subscriptions, payouts, and the fan who charged back
Recurring creator payouts, tip refunds and subscription chargebacks give creator platforms a compounding leak profile. What the four detectors find in fan monetisation.
Crowdfunding platforms: when a campaign fails, the transfers are already gone
All-or-nothing campaigns refund thousands of backers at once. Every refund without reverse_transfer strands a micro-transfer. The mass-refund playbook for Connect crowdfunding.
Fundraising platforms: donor refunds and the trust you cannot buy back
Donor-protection refunds, fraudulent-campaign takedowns and charity deauthorizations — fundraising platforms carry refund liability on money that was never theirs.
Ticketing platforms: postponements, cancellations, and festival-scale refunds
An event cancels and 15,000 tickets refund in a day. Mass refunds plus per-order fees, insurance add-ons and promoter settlement complexity.
High-value & B2B
Recruitment marketplaces: success fees, guarantees, and refund cliffs
Placement fees with 90-day guarantee clauses create large, delayed, contractual refunds — the exact shape that strands six-figure transfers.
Equipment-rental platforms: deposits, damage claims, and late-return disputes
Rental deposits, damage deductions and extension charges make rental Connect platforms structurally partial-refund heavy. Where the transfers strand.
Healthcare staffing platforms: compliance failures and clawed-back shifts
Credential lapses cancel shifts retroactively; agencies bill in arrears. The staffing leak profile — high-value invoices, contractual refunds, cross-border clinicians.
SaaS resellers and agencies: billing clients, paying vendors, keeping the spread
Platforms that bill end customers and remit to vendors keep margin on every cycle. Subscription churn makes every mechanism recur monthly.
Freight and logistics marketplaces: adjustments, accessorials, cross-border everything
Reweighing adjustments, fuel surcharges and detention fees mean freight invoices change after transfer. The logistics leak profile including heaviest FX exposure.
B2B procurement marketplaces: POs, net-60, and the refund nobody chased
High-value orders, contractual dispute windows and AP-process refunds make procurement platforms the vertical where one missed reversal is six figures.
Franchise and brand platforms: royalties, levies, and franchisee transfers
Franchisors collect royalties on franchisee transactions through Connect. Every customer refund carries a royalty refund — and a stranded franchisee transfer.