Reconciliation · checked against the sources on
Stripe's payout reconciliation report, read line by line
Stripe's payout reconciliation report lists every charge, refund, dispute, fee and adjustment that each automatic payout carried; download the Itemized CSV. In each row net is gross minus fee, and the net of a payout's rows adds up to what reached your bank. The report groups payouts by their estimated arrival date, not the day your bank posts them. It does not cover instant payouts, and manual payouts go through the Balance report instead, because Stripe cannot say which transactions each one paid out.
“Stripe can't identify which transactions are included in each payout.”
Stripe: Payout reconciliation (API guide) (read 9 Oct 2026)
“not the date your bank posts the deposit”
Stripe: Payout reconciliation report (read 9 Oct 2026)
Prepared for your review. Not tax or accounting advice.
Where it is
Stripe Dashboard → Reports → Payout reconciliation. Pick a date range around the payout's expected arrival date, find the payout, and download the Itemized CSV. Through the API, list balance transactions with the payout's ID (Stripe's guide).
The columns
| Column | What it holds |
|---|---|
automatic_payout_id | the payout (po_…) this row was paid out in |
automatic_payout_effective_at | the payout's expected arrival date, which is when it leaves your Stripe balance |
balance_transaction_id | the row's own ID (txn_…) |
created | when the charge, refund or fee happened |
available_on | when its money became available in your Stripe balance |
gross | the amount before fees; negative for refunds and disputes |
fee | Stripe's fees on this row, positive when charged |
net | gross minus fee: what this row added to or took from the payout |
reporting_category | what kind of row it is (below) |
description | the charge's or refund's description |
How it adds up
Sum net over a payout's rows and you get the payout, which is the amount that reached your bank. Sum gross for charges to get gross sales, and fee for Stripe's fees. When a payout's rows add up to something else, the download did not hold all of them: widen the date range around its arrival date.
The categories you will meet most
| reporting_category | Means |
|---|---|
charge | a payment from a customer, by card or another method |
refund | money returned to a customer |
partial_capture_reversal | the uncaptured part of an authorization; count it against the original sale, not as a refund |
fee | a fee row of its own, such as a Stripe fee |
payout_reversal | a failed or cancelled payout's money coming back to your balance |
transfer | money sent to a connected account (Connect) |
Disputes and dispute reversals have categories of their own: a lost dispute is the disputed amount out plus a dispute fee, and a won one comes back as a reversal (Stripe's reporting categories).
What it leaves out
- Instant payouts: reconcile them against your transaction history yourself.
- Manual payouts: Stripe cannot say which transactions each one paid out, so use the Balance report and reconcile your Stripe balance like a bank account.
- The bank: the report stops at the payout. Whether the deposit arrived, and when, is on your bank statement. For direct US accounts on automatic payouts, Stripe's Bank reconciliation report checks that once your bank is linked to Stripe.
Check your own, on your machine
npx --allow-git=root github:agentwares/tieout statement.csv stripe-payouts.csv stripe-itemized.csv- Export your Stripe payouts (Dashboard → Balances → Payouts → Export) and the bank statement for the same months as CSV.
- 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.
- 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.
- 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.
- 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 inSources
- Stripe: Payout reconciliation report (read 9 Oct 2026)
- Stripe: Reporting categories (read 9 Oct 2026)
- Stripe: Payout reconciliation (API guide) (read 9 Oct 2026)
- Stripe: Bank reconciliation (read 9 Oct 2026)