Why Stripe payouts often differ from bank deposits and ledger records
A synthetic September example shows a €3,496.99 gap between the ledger's net Stripe activity and the Stripe deposits in the bank. The gap is not one error but several differences with opposite signs. The largest share, €3,347.78, is a payout that reached the bank on 1 October after the month-end cutoff. The remaining differences include duplicate sales, unbooked disputes and fees, and amount mismatches. The approach breaks the reconciliation into operation, payout, and bank levels, with a bridge that must add up to the cent.
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