=== Report 1: 2025 Payout Reconciliation by Currency (Local vs EUR-Converted) (written by Felix) === Engineer's note: exchange_rates gives EUR->currency rates (base_code=EUR), so local-to-EUR conversion divides by the matched rate; EUR rows are treated as rate=1 and always counted as matched, per the request. gross_volume_eur/fee_revenue_eur sum only matched rows (unmatched rows contribute 0), so the gap vs. matched-rate coverage is directly visible via payout_count_missing_fx_rate. REPORT: 2025 Payout Reconciliation by Currency (Local vs EUR-Converted) QUESTION: Is the 2025 monthly fee-revenue trend understating totals because some currencies/dates fail to match an exchange rate, causing payouts to be dropped from the EUR-converted total? currency_code | payout_count | gross_volume_local_sum | gross_volume_eur | fee_revenue_eur | payout_count_with_matched_fx_rate | payout_count_missing_fx_rate | avg_eur_rate_used --------------+--------------+------------------------+--------------------+--------------------+-----------------------------------+------------------------------+------------------ EUR | 5169 | 1981538.9100 | 1981538.9099999547 | 40397.349999999984 | 5169 | 0 | 1.0 GBP | 3165 | 576156.8200 | 669712.4031839605 | 13707.647149318931 | 3165 | 0 | 0.860772 USD | 1802 | 1175910.6900 | 1021107.726817953 | 32522.97257591372 | 1802 | 0 | 1.150943 SEK | 567 | 874215.7600 | 79451.65101996991 | 1292.3859172680086 | 567 | 0 | 10.987477 DKK | 345 | 595621.2100 | 79924.92689831926 | 1413.800634631733 | 345 | 0 | 7.451982 NOK | 238 | 1617567.2600 | 141252.37557324008 | 4249.040729682132 | 238 | 0 | 11.500274 (6 rows) === Report 2: Refund Rate by Merchant Vertical, 2025 (written by Viktor) === Engineer's note: Vertical is taken from tenants.industry (free-text field, not a fixed enum); tenants with a null industry are grouped under 'Unknown'. Both refund-rate measures and the EUR conversion are computed from captured payments only, using the exchange rate as of each payment's captured_at date. REPORT: Refund Rate by Merchant Vertical, 2025 QUESTION: Do refund rates differ meaningfully across merchant verticals, and which verticals look like outliers? vertical | merchant_count | payment_count | gross_captured_eur | amount_refunded_eur | refund_rate_pct | avg_refund_rate_per_merchant_pct --------------------------+----------------+---------------+--------------------+---------------------+-----------------+--------------------------------- Apparel & Footwear | 12 | 5829 | 1078095.0931260681 | 223899.98025102273 | 20.77 | 20.17 Consumer Electronics | 3 | 45 | 32704.557149522407 | 4536.256832012029 | 13.87 | 12.09 Sports & Outdoor | 5 | 542 | 208642.66525501793 | 27615.81190173126 | 13.24 | 12.67 Home & Living | 9 | 826 | 130876.13832331166 | 9636.863087465277 | 7.36 | 7.69 Beauty | 8 | 1251 | 125299.2177342255 | 7778.69901928958 | 6.21 | 4.19 Office Supplies (B2B) | 2 | 239 | 707746.699374597 | 30565.586683472724 | 4.32 | 3.64 Books & Stationery | 4 | 115 | 5631.0311708235095 | 186.7947706139839 | 3.32 | 2.27 Pet Supplies | 7 | 1095 | 55275.88436275425 | 877.5520952376191 | 1.59 | 1.53 Food & Coffee | 5 | 1530 | 77195.58403267068 | 881.7447615475771 | 1.14 | 0.48 Industrial Supplies (B2B) | 1 | 154 | 386487.6248121912 | 1547.2102448206222 | 0.4 | 0.4 Jewelry & Accessories | 1 | 14 | 3001.8742620116054 | 0.0 | 0.0 | 0.0 (11 rows) === Report 3: Merchant Refund Rate Outliers, 2025 (merchants with 50+ captured payments) (written by Felix) === Engineer's note: Vertical avg refund rate is volume-weighted over ALL tenants in that vertical with qualifying 2025 payments (not just the 50+ group), so it reflects the true vertical norm; the 50+ filter only restricts which tenants are listed/ranked. The report prints the top 20 of the qualifying (50+) tenant set by refund rate descending; the printed row-count footer will show how many tenants qualified in total, but computing the count of tenants excluded by the 50+ threshold would require a second, differently-grained query (merchant count), so that figure isn't included in this report. REPORT: Merchant Refund Rate Outliers, 2025 (merchants with 50+ captured payments) QUESTION: Which individual merchants have refund rates well above or below their peers, net of vertical effects? merchant_name | vertical | tenant_status | payment_count | gross_captured_eur | amount_refunded_eur | refund_rate_pct | vertical_avg_refund_rate_pct | refund_rate_vs_vertical_avg_pp -----------------------+-----------------------+---------------+---------------+--------------------+---------------------+-----------------+------------------------------+------------------------------- Fjordline Wear | Apparel & Footwear | active | 56 | 8355.44 | 2230.4 | 26.69 | 20.77 | 5.93 Cragsley Outfitters | Apparel & Footwear | active | 3566 | 705509.13 | 151132.11 | 21.42 | 20.77 | 0.65 Marrowby & Vane | Apparel & Footwear | active | 1719 | 280593.3 | 57112.04 | 20.35 | 20.77 | -0.41 Thistlecombe | Apparel & Footwear | active | 89 | 12014.74 | 2086.3 | 17.36 | 20.77 | -3.4 Velvet Ash | Apparel & Footwear | active | 132 | 23921.88 | 3919.87 | 16.39 | 20.77 | -4.38 Fell & Fjell | Sports & Outdoor | active | 83 | 36116.68 | 5852.66 | 16.2 | 13.24 | 2.97 Oakhurst Tailoring | Apparel & Footwear | active | 162 | 25015.43 | 3422.42 | 13.68 | 20.77 | -7.09 Cinder Peak Sports Co. | Sports & Outdoor | active | 332 | 123713.44 | 16713.38 | 13.51 | 13.24 | 0.27 Willow & Wren | Home & Living | active | 95 | 18796.06 | 2402.98 | 12.78 | 7.36 | 5.42 Lamplight Living | Home & Living | active | 50 | 6705.35 | 804.15 | 11.99 | 7.36 | 4.63 Kayak Corner | Sports & Outdoor | active | 106 | 39742.21 | 3380.64 | 8.51 | 13.24 | -4.73 Nordic Bloom Cosmetics | Beauty | active | 141 | 17564.54 | 1395.02 | 7.94 | 6.21 | 1.73 Saffron & Sage | Beauty | past_due | 117 | 9866.32 | 737.69 | 7.48 | 6.21 | 1.27 OfficeHub Nordic | Office Supplies (B2B) | active | 167 | 426010.27 | 29648.53 | 6.96 | 4.32 | 2.64 Petalcourt Beauty | Beauty | active | 692 | 61911.92 | 4035.58 | 6.52 | 6.21 | 0.31 Coastline Interiors | Home & Living | active | 153 | 20804.3 | 1329.22 | 6.39 | 7.36 | -0.97 Fennel & Flint | Home & Living | active | 383 | 64363.83 | 3756.55 | 5.84 | 7.36 | -1.53 The Balm Room | Beauty | active | 104 | 13879.18 | 733.08 | 5.28 | 6.21 | -0.93 Juniper Apothecary | Beauty | active | 154 | 17551.04 | 833.22 | 4.75 | 6.21 | -1.46 Feather & Fin | Pet Supplies | active | 216 | 10162.91 | 415.22 | 4.09 | 1.59 | 2.5 (20 rows)