Stripe payout reconciliation: did every payout reach your bank?
The problem
Stripe pays you in batches. One deposit on your bank statement can be dozens of charges, minus refunds, disputes and fees, so it rarely matches any single sale. If a payout is missing, late or short, you usually find out weeks later, if at all.
How it's solved today
- Stripe's own reports. The payout reconciliation report breaks each automatic payout into the transactions it settled. Stripe's bank reconciliation feature can match payouts to deposits if you link your bank account to Stripe.
- Accounting sync apps such as Synder, A2X, Acodei or Equali post payouts into QuickBooks or Xero through a clearing account.
- A spreadsheet. Export payouts, export the bank statement, then match them by amount and date with VLOOKUPs. It works, but you rebuild it every month.
How SandQuery helps
Connect Stripe (sign in once; payouts, charges, refunds, disputes and balance transactions sync on demand or on a schedule) or upload your Stripe CSV exports. Then add your bank statement as a CSV, or as a PDF that SandQuery reads into rows. Reports that answer the question:
- Stripe payouts matched to bank deposits: each Stripe payout paired with the bank deposit it became, plus the payouts that never arrived and the Stripe-looking deposits with no payout behind them. Automatic and manual payouts both count.
- Monthly Stripe payouts vs bank deposits: month totals side by side, with the months that disagree flagged. A payout that lands in the next month counts in the month it landed.
Next month, run it again: your files and settings carry over, and connected Stripe data can refresh on a schedule.
Example result (illustrative figures)
| Expected | Amount | Arrived | Status |
|---|---|---|---|
| Aug 2 | $1,240.00 | Aug 4 | Matched |
| Aug 9 | $318.55 | — | No matching deposit |
| Aug 16 | $9,002.10 | Aug 18 | Matched |
FAQ
Do I have to give SandQuery access to my bank?
No. You upload a bank statement (CSV or PDF). There is no bank login.
Does it work with manual payouts?
Yes. Manual payouts are matched to deposits too. (Stripe's own itemized payout reconciliation report only breaks down automatic payouts.)
Who sees my data?
Report authors never see your data or your results. They only see that a run happened. See Security.
What does it cost?
Each report shows its price before you run it.