Reconciliation · checked against the sources on

How to reconcile Stripe payments in QuickBooks Online

Do not match a Stripe deposit to a single sale: a payout is many charges, less refunds, disputes and fees. Keep a Stripe clearing account in QuickBooks Online. Record each payout's gross sales into it and its fees, refunds and disputes out of it, from Stripe's itemized payout reconciliation report. Then record the deposit as a transfer from the clearing account to checking. The clearing account returns to zero with each payout, and in Banking you match the bank feed's deposit to that transfer. A paid sync app can post these entries for you; Synder starts at $65 a month and Bookkeep at $19.

“You're responsible for reconciling instant payouts against your transaction history.”

Stripe: Payout reconciliation report (read 9 Oct 2026)

Prepared for your review. Not tax or accounting advice.

Set it up once

  1. Add an account called Stripe clearing (a bank-type or other current asset account). It stands for your Stripe balance.
  2. In Banking, connect your real checking account's feed as usual. Stripe clearing has no feed: its entries come from Stripe's reports.

For each payout

  1. Download the itemized payout reconciliation report for the payout's arrival date (Stripe Dashboard → Reports → Payout reconciliation → Download → Itemized).
  2. Record a deposit into Stripe clearing for the gross sales, with refunds, disputes and Stripe's fees as negative lines to their own accounts.
  3. Record a transfer from Stripe clearing to checking for the payout amount, dated the day the bank received it.
  4. In Banking, match the deposit in the checking feed to that transfer, not to a sale or an invoice.
  5. At month end, Stripe clearing should hold only payouts still in transit to the bank, and what Stripe has not yet paid out.

One payout, worked through

Two sales of $400.00 and $99.00, one $50.00 refund, $15.07 of card fees: Stripe pays out $433.93, and that is all the bank shows.

AccountDebitCredit
Stripe clearing499.00
Sales (income)499.00
Refunds (contra income)50.00
Stripe clearing50.00
Stripe fees (expense)15.07
Stripe clearing15.07
Checking (the deposit)433.93
Stripe clearing433.93

Stripe clearing ends at zero. Booking only the $433.93 deposit as income would understate sales by $65.07 and leave out the fees and the refund.

Instant payouts and disputes

An instant payout has no itemized report: reconcile it against your Stripe transactions yourself, and book the instant payout fee (1.5%, at least 50¢) as a Stripe fee. A lost dispute takes the disputed amount and a $15 fee out of a payout; book both, the amount against sales and the fee as a Stripe fee.

Letting an app post it

Sync apps post these entries for you. Synder is $65 a month for 500 transactions, up to $599, and Bookkeep starts at $19 a month for up to $200,000 of revenue a year, both read 9 October 2026. Neither replaces checking that each month's books tie to the bank statement.

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

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