Reconciliation · checked against the sources on

How to reconcile Stripe payouts in Xero

With Stripe connected to Xero, Xero looks up the charges in each payout and suggests a match in the bank feed, fees included, and you accept it. That works only on an automatic payout schedule, with one Stripe account connected to one Xero organisation. Otherwise keep a Stripe clearing account in Xero. Receive each payout's gross sales into it and spend its fees, refunds and disputes from it, using Stripe's itemized payout reconciliation report. Then transfer the net to the business bank account, where the bank feed line matches the transfer. The clearing account should return to zero with each payout.

“only if the Stripe account has set up an automatic (not manual) payout schedule”

Stripe support: Payouts and reconciliation with Xero and Stripe (read 9 Oct 2026)

Prepared for your review. Not tax or accounting advice.

When Xero matches it for you

Then Xero looks up the charges in each payout by their Stripe charge IDs, matches them to your invoices, and suggests the match on the bank feed line; you click OK. When it does not suggest one, Find & Match on the payout line finds the parts.

A Stripe clearing account otherwise

  1. Add a bank account in Xero called Stripe clearing (no feed). It stands for your Stripe balance.
  2. For each payout, from Stripe's itemized payout reconciliation report: Receive Money into Stripe clearing for the gross sales; Spend Money from it for the fees, refunds and disputes.
  3. Transfer the payout amount from Stripe clearing to the business bank account, dated the day the bank received it, and reconcile the bank feed line against that transfer.
  4. Stripe clearing returns to zero with each payout. What remains at month end is a payout in transit, or money Stripe has not paid out yet.

Fees and refunds in Xero

Card fees (2.9% + 30¢ per domestic card charge) and a lost dispute's $15 fee are Spend Money lines from Stripe clearing to your bank-fees or merchant-fees account. A refund is a Spend Money line, or a credit note refunded from Stripe clearing when it reverses an invoice. Book each one separately, so the account balances on its own, not just in total.

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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