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Are those fees also present for transactions that are refunded immediately before they batch (i.e. testing). Let's say a stripe IP wasn't whitelisted on the server and started being denied coming back, causing transactions to fail. If I want to do a quick live environment test on this it now costs my client money, which is not ideal.

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You can do that using Stripe test environment and test cards without any fees. Refunds can take over a week to get processed by some banks, so testing on live data doesn't sound like a great idea. But even if you have to do a couple of live transactions I don't see how the cost of refunds could be significant.

Yes live tests are useful for integration issues or as a final verification before going live. But I only do it once or twice with a 99% off coupon or similar so the cost is a matter of cents plus fees. Easy to ignore.

What volume and dollar value are you testing at? I ask because assuming your time is billed back fully loaded to the client at $200/hr - and you spend 4 hours doing some sort of testing your time is $800... what are the fees relative to this?

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