內容簡介
Finlyzer 是一款專為 WooCommerce 商家設計的外掛，提供清晰的外匯費用及支付處理手續費損失分析，幫助商家了解國際銷售的實際收入損失。此外掛完全免費，無隱藏費用或訂閱需求。
【主要功能】
• 完全在本地運行，無需外部網路呼叫
• 不收集任何敏感客戶資料
• 提供過去 30、60、90 天的貨幣損失數據
• 顯示每個支付處理器的實際手續費率
• 分析外匯損失的具體分佈情況
外掛標籤
開發者團隊
② 後台搜尋「Finlyzer — FX Loss & Margin Insights for WooCommerce」→ 直接安裝（推薦）
原文外掛簡介
Finlyzer gives WooCommerce merchants clear, honest visibility into how much revenue is lost to foreign exchange fees and payment processor markups on international sales. It is 100% Free with no hidden fees, no subscriptions, and no credit card required.
🔒 100% Local by Default — Zero Surveillance Telemetry
Merchants trust Finlyzer because of its privacy architecture:
* Runs 100% Locally on Your Store Database by Default: All currency loss math, gateway fee spread analysis, and multi-currency ledgers are calculated entirely on your own server. Zero external network calls are made out-of-the-box.
* No Sensitive Information Needed: Finlyzer never requests, accesses, stores, logs, or transmits sensitive customer or financial data.
* Zero Personally Identifiable Information (PII): Customer names, email addresses, phone numbers, billing/shipping physical addresses, IP addresses, credit card numbers, and individual order IDs are never collected, saved, or sent anywhere.
* Zero Checkout Impact: Runs purely in the WordPress admin dashboard for completed orders. Your checkout flow, storefront speed, and buyer experience remain 100% untouched.
Why Every International WooCommerce Store Needs Finlyzer
When international shoppers purchase from your store in foreign currencies (EUR, GBP, CAD, AUD, JPY, etc.), payment processors like PayPal, Stripe, Klarna, WooPayments, Mollie, and Adyen convert those funds into your payout currency.
Instead of using true interbank market exchange rates, payment gateways charge hidden conversion spreads—typically pocketing 1.5% to 4.2% or more on every cross-border order. On top of gateway spreads, foreign exchange rate fluctuations during settlement create additional currency loss.
Finlyzer inspects your store sales data and reveals the exact numbers:
* Total Currency Loss: View exact currency loss across the last 30, 60, or 90 days.
* Effective Fee Rate: Reveal true conversion spreads per processor (Stripe, PayPal, Klarna, etc.).
* Loss Distribution by Currency: Visual breakdown showing which currencies erode margins most.
* Annual Run-Rate Exposure: Projected yearly loss if gateway markup is left unaddressed.
* AI Sentinel Insights: Real-time risk audit powered by Google Gemini Flash AI providing prioritized, actionable recommendations to protect merchant profits.
Key Features for WooCommerce Merchants
Payment Gateway Fee Comparison: Compares cross-border transaction volume and conversion fee impact across Stripe, PayPal, Klarna, WooPayments, and more.
Multi-Currency Revenue Ledger: Detailed breakdown of transaction volume, fee share, and currency loss per foreign currency.
Products Breakdown: Line-by-line attribution of international revenue and conversion fees per product, with fast processor filtering.
Exchange Rate Movement & Market Timing: Directly queries European Central Bank reference exchange rates via the public Frankfurter API (https://api.frankfurter.dev) using WordPress HTTP API (wp_remote_get) to evaluate settlement timing loss between order placement and processor payout.
High-Performance Order Storage (HPOS): Built-in native support for WooCommerce custom order tables (wc_orders) and traditional post meta.
Lightweight & Fast: Pure server-to-server analytics engine with cached responses and asynchronous telemetry.
100% Free: Full access to all financial analytics with zero paywalls.
Developer & Maintainer
Finlyzer is developed and maintained by Ebrahim Razmahang (GitHub: sl3nd3r1).
External Services
Finlyzer operates 100% locally by default. Optionally, administrators can opt into external services for automated AI risk analysis and market rate evaluation:
Finlyzer Cloudflare Worker API & Google Gemini Flash AI (Optional — 100% Opt-In Only): Provides automated financial margin risk audits and recommendations powered by Google Gemini via a secure Cloudflare Worker proxy.
Opt-in Status: Disabled / OFF by default. Requires explicit administrator opt-in in the Finlyzer settings dialog before any network request is dispatched.
Service: https://ai.google.dev / https://finlyzer-worker-prod.ebi1055lol.workers.dev
Cloudflare Terms of Service: https://www.cloudflare.com/terms/
Cloudflare Privacy Policy: https://www.cloudflare.com/privacypolicy/
Google Gemini Terms of Service: https://ai.google.dev/terms
Google Privacy Policy: https://policies.google.com/privacy
Data Sent (only upon explicit opt-in): Strictly anonymized, store-level aggregate metrics (store currency ISO code, total transaction volume, aggregate conversion fee estimates, currency breakdown, and order counts).
Zero Personally Identifiable Information (PII): Customer names, email addresses, phone numbers, billing/shipping physical addresses, IP addresses, payment card credentials, and individual order IDs are never collected, logged, or transmitted.
Global Market Reference Rates / Frankfurter API (European Central Bank Reference Data — Optional, 100% Opt-In Only): Used to evaluate payment processor conversion fee markups and market timing exchange rate shifts.
Opt-in Status: Disabled / OFF by default per WordPress Plugin Guideline 7. Requires explicit administrator opt-in in the Finlyzer settings dialog before any network request is dispatched.
How It Operates: By default, Finlyzer operates 100% locally and offline using an internal European Central Bank reference matrix. When explicitly enabled by the administrator, the plugin uses WordPress HTTP API (wp_remote_get) from your WordPress server to fetch reference exchange rates for the store’s active transaction currencies.
Service: https://frankfurter.dev / https://api.frankfurter.dev (data published by European Central Bank: https://www.ecb.europa.eu)
Terms of Service: https://frankfurter.dev
Privacy Policy: https://frankfurter.dev
Local Transient Caching: Rates are locally cached in WordPress Transients for 12 hours (matching ECB daily 16:00 CET fixings) to minimize remote requests and maintain fast dashboard load times.
Resilient Fallback: If the API is unreachable or disabled, the plugin gracefully uses its internal reference matrix so dashboard operations remain completely uninterrupted and private.
Data Sent (only when opted-in): Currency ISO codes (e.g., “EUR”, “USD”) via URL parameters. Zero store URLs, zero customer records, and zero financial transaction identifiers are ever sent.
Third-Party Libraries & Source Code
HTMX (v2.0.3): Used in the WordPress admin dashboard for reactive UI swaps and fragment serving without full-page reloads.
Source Code: https://github.com/bigskysoftware/htmx
Unminified Distribution: assets/js/vendor/htmx.js (also accessible at https://github.com/bigskysoftware/htmx/releases/tag/v2.0.3)
License: BSD-2-Clause (GPL-compatible) https://github.com/bigskysoftware/htmx/blob/master/LICENSE
