Batched payouts
A Stripe payout bundles many charges minus fees and refunds into one deposit. The engine rebuilds the batch from the payout export and labels the match "payout batch of 14 charges minus fees" so anyone can follow it.
Payment reconciliation software for processor payouts and deposits
Payment reconciliation software matches what your payment processors report with what reaches your bank and what your books expect. Reconciles reads payout exports from Stripe, PayPal, Adyen, Shopify Payments and Amazon, breaks each payout into charges, refunds and fees, ties it to the bank deposit and explains every difference.
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Transaction matching across processor, bank and ledger
A payment touches three records before it is reconciled: the processor report, the bank statement and your ledger or order list. Reconciles lines up all three in one run.
- Each payout matched to the single bank deposit it produced.
- Each charge inside the payout matched to an order, invoice or sales entry in your books.
- Refunds, chargebacks and disputes matched to the original charge.
- Processor fees separated from revenue and totaled per payout, ready to book as costs.
- Reserves and holds shown as their own lines so the net amount still ties out.
Why payout reconciliation breaks in a spreadsheet
Processors pay you in batches, net of fees, often days after the sale. That is where manual matching stops working.
Several processors in one bank account
When Stripe, PayPal and Shopify Payments all pay into the same account, deposits look alike. Reconciles uses payout identifiers, amounts and dates to assign each deposit to the right processor.
Currency conversion
A charge taken in euros and paid out in dollars never matches to the cent. Conversion differences are flagged on their own, apart from fees and short payments.
Marketplace settlements
Amazon settlement reports list orders, fees, refunds and reserves. Each component is matched, and what reached the bank is tied to the settlement total. Read more on ecommerce reconciliation software.
Automated payment reconciliation, step by step
The same engine that runs your bank reconciliation software handles payouts, with rules built for how processors pay.
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01 Parse
Upload a processor export next to a bank statement or an order list. Reconciles detects which processor it came from and reads gross amounts, fees, refunds and payout references.
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02 Normalize
Signs, currencies and timestamps are aligned, and processor fees are separated from the gross amount on every line.
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03 Match
Payouts are matched to deposits first, then charges to orders or invoices, with fee and FX awareness. AI suggestions cover unclear pairs, each with a reason and a confidence score.
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04 Exceptions
Unmatched charges, missing payouts and amount differences go to the queue. Nothing posts to your ledger without review.
Payment exceptions your team actually needs to see
The queue groups what is left so you can work it in minutes.
- Unmatched a charge with no order, or an order with no charge.
- Partial an order paid in more than one charge, or a split tender.
- Duplicate the same order charged twice, or a payout imported twice.
- Amount difference a deposit that differs from the payout net, usually a reserve or a conversion difference.
- Date difference a payout that landed outside your date window, often over a weekend or a holiday.
Every item shows the reason the engine stopped, so a refund booked as revenue or a missing payout is found before the close, not at audit time.
Fees, refunds and journal entries ready to book
Export the reconciliation report in XLSX or PDF with gross sales, fees, refunds, reserves and net deposits per processor and per period. Journal entries that move fees to expense and refunds out of revenue go out as CSV for QuickBooks and Xero on Growth, and for NetSuite on Scale. Matched pairs export as CSV for your own review. Processor specifics are on the Stripe, PayPal and Shopify integration pages.
Which plan fits your payment stack
Starter includes bank, invoices and one processor, which suits a business that takes payments through a single provider. Growth adds all processors and marketplaces, unlimited matching rules and journal entries for QuickBooks and Xero, the usual choice for ecommerce teams with two or more payment providers. Scale adds API and SFTP drop for teams that reconcile payouts every day across many entities.
Payment reconciliation questions
Payout and settlement exports from Stripe, PayPal, Adyen, Shopify Payments and Amazon, in CSV or XLSX. Starter covers one processor, Growth and Scale cover all of them.
Fees are read from the processor export, separated from gross charges and totaled per payout. The net deposit then matches the bank line, and the fees can be booked with one journal entry.
Yes. Upload your order list or open invoices as the second file and each charge is matched to its order, while the payout total is matched to the deposit.
The payout stays in the exceptions queue as unmatched, with the expected amount and date, so your team can follow it up with the processor.
Match last month's payouts
Upload a payout export and your bank statement and see each payout tied to its deposit in minutes.