# Stratamize open resources

This repository contains a processor-neutral payment processing statement audit model from Stratamize.

Canonical guide: https://stratamize.com/statement-audit/
Version identifier: https://stratamize.com/statement-audit/releases/1.1.0
Product identifier: https://stratamize.com/statement-audit
Versioned release: https://github.com/Stratamize/statement-audit-model/releases/tag/v1.1.0
Organization: https://stratamize.com/
License: CC BY 4.0

Files:
- payment-statement-audit-template.csv: spreadsheet-ready monthly statement summary.
- schema/payment-statement-audit.schema.json: JSON Schema Draft 2020-12 data contract.
- examples/payment-statement-audit-example.json: synthetic example; no real merchant or cardholder data.
- DATA_DICTIONARY.md: exact field, inclusion, exclusion, and fee-category definitions.
- METHODOLOGY.md: reproducible calculation, rounding, privacy, and limitation rules.
- tools/validate_audit.py: structural, accounting, and privacy validator using decimal arithmetic.
- service/app.py: local HTTP validation service on 127.0.0.1:8090 wrapping the validator.
- validation-report.json: reproducible result for 2 valid and 17 invalid synthetic vectors.
- SECURITY.md: publication threat model, trust boundaries, and private reporting path.
- NOTICE.md: authorship, attribution, and CC BY 4.0 licensing notice.
- CITATION.cff: citation metadata.

Package 1.1.0 validates schema 1.1.0 records using gross settled purchase volume and net processing fees. Gross fee groups reconcile exactly; processing-fee credits are separate. Effective rate equals net processing fees divided by gross settled purchase volume, rounded half up to six decimal places. Store it as a decimal and multiply by 100 only for percentage display.

Never add card numbers, truncated or masked card references, bank details, credentials, tax IDs, owner Social Security numbers, Unicode control characters, or real merchant statements to this repository.
