Reconciliation · checked against the sources on

How to reconcile Stripe payouts with your bank deposits

Match each Stripe payout to one bank deposit of exactly its amount, posted on or a few days after the payout's estimated arrival date. Then book each payout gross: its sales, with Stripe's fees, refunds and disputes on their own lines, because the deposit is only the net. A payout that left Stripe at the end of one month and reached the bank in the next was in transit at that month's end. If your Stripe account is US-based, on automatic payouts, and you are willing to link your bank to Stripe, Stripe's free Bank reconciliation report does the matching in the Dashboard.

“not the date your bank posts the deposit”

Stripe: Payout reconciliation report (read 9 Oct 2026)

“only available for users with direct US-based Stripe accounts using an automated payout schedule”

Stripe: Bank reconciliation (read 9 Oct 2026)

Prepared for your review. Not tax or accounting advice.

Why a payout never equals a day's sales

What moves itHow
Card fees2.9% + 30¢ per successful domestic card charge, taken before the payout
Refundsusually taken out of the next payout, not paid from your bank
Disputesthe disputed amount plus a $15 dispute fee, and another $15 if you counter it (refunded if you win)
Instant payouts1.5% of the amount, at least 50¢, and often sent to a debit card
Timinga payout carries sales from earlier days and lands on its arrival date or after: weekends, holidays and banks move it
Month endsa payout that leaves Stripe on the 30th and reaches the bank on the 2nd belongs to neither month's bank total

Fees are from Stripe's US pricing page. So the books need each payout as its parts: gross sales in, fees, refunds and disputes out, and the deposit as the net that reached the bank.

When Stripe's own report is enough

Stripe's Bank reconciliation report marks each payout Reconciled or Unreconciled against your deposits, and summarises each month's revenue and the cash that reached the bank. It needs your bank account linked to Stripe. It works for direct US accounts on an automatic payout schedule. It does not cover Connect accounts, accounts outside the US, or manual and instant payouts. It does not look at your books either: whether QuickBooks or Xero agrees with the bank is a separate check, month by month.

Payouts Stripe cannot itemize

The payout reconciliation report breaks down automatic payouts only. An instant payout is yours to reconcile against your transaction history. A manual payout is too, because you chose its amount and timing, so Stripe cannot say which transactions it paid out. Reconcile those through the Balance report, as you would a bank account.

In QuickBooks or Xero

The same idea in both: a Stripe clearing account that each payout's parts go through, and a transfer of the net to the bank account that the bank feed matches. See QuickBooks Online and Xero.

Check your own, on your machine

npx --allow-git=root github:agentwares/tieout statement.csv stripe-payouts.csv stripe-itemized.csv
  1. Export your Stripe payouts (Dashboard → Balances → Payouts → Export) and the bank statement for the same months as CSV.
  2. For each payout, find the bank credit of exactly its amount on its arrival date or up to five days after. One payout, one deposit.
  3. A payout with no deposit: check its status (a failed or cancelled payout went back to your Stripe balance), its method (an instant payout often goes to a debit card) and its destination account.
  4. A deposit that left Stripe in one month and reached the bank in the next was in transit at that month's end: list it as a reconciling item, not an error.
  5. Download the itemized payout reconciliation report and book each payout gross: sales in, then fees, refunds and disputes out, so the deposit is the net.

It reads the CSV exports you name, makes no network request and calls no LLM, and writes a dated tie-out sheet: every payout and its deposit, every month of the books against the statement, and what does not tie with its likely reason. Source (MIT)

Catch-up bookkeeping by agent, priced per month behind, is not built. The months that do not tie, done for you: every transaction categorized, every Stripe payout booked gross with its fees, refunds and disputes, and every account-month tied to its statement, reviewed by a person before delivery.

Not built. It would be priced per month behind; no price is set. It gets built only if enough people ask.

Count me in

Sources

Other reconciliation questions