Synthetic Stripe payout: five charges, two refunds, one deposit and a clearing balance that returns to zero

Invented inputs, not a real payout or fee schedule

All amounts are invented, in GBP. The fee rule (1.5 percent plus 20p per charge, rounded half up to the penny) is made up for arithmetic and is not Stripe's pricing. Five charges, A to E, are paid out together; a full refund of charge B and a partial refund of 20.00 on charge C are also in this payout. Following Stripe's documented behaviour, the processing fee on a refunded charge is not returned.

If the matrix is wider than the box, scroll horizontally to read every column. Keyboard: focus the matrix and use Left/Right.

item        type     gross      fee      net
charge A    charge    120.00     2.00   118.00
charge B    charge     45.50     0.88    44.62
charge C    charge     80.00     1.40    78.60
charge D    charge     19.99     0.50    19.49
charge E    charge    250.00     3.95   246.05
refund B    refund    -45.50     0.00   -45.50
refund C    refund    -20.00     0.00   -20.00

gross charges            = 515.49
fees (not returned on refunds) = 8.73
refunds                  = 65.50
payout = 515.49 - 8.73 - 65.50 = 441.26

The ledger entries that make the bank line match

Sales are recorded gross against a clearing account, fees and refunds are recorded against the same clearing account from the payout's own transaction list, and one payout-level entry moves the net amount from clearing to the bank. After it, clearing returns to zero for this payout and the bank deposit equals one ledger entry. Which account types and entry forms you use is your accountant's decision; this is a shape, not a recommendation.

If the matrix is wider than the box, scroll horizontally to read every column. Keyboard: focus the matrix and use Left/Right.

ledger entry                         clearing   bank
sales A-E, gross                     +  515.49
processing fees                      -    8.73
refunds B and C                      -   65.50
payout PO-SYN-1 (clearing -> bank)   -  441.26  +441.26
clearing balance after payout             0.00

What the example does not prove

The arithmetic in this example was recomputed independently, and that is all it shows. No Stripe account, payout, API, accounting file or bank was used, and no real fee was calculated. Manual and instant payouts cannot be tied to transactions this way, and multi-currency payouts, disputes and fee tax are outside the example.

• A payout's arrival date in Stripe's report can differ from the bank's posting date.
• Real exports have more categories than this example shows.

Using the example

Compare your own payout, using only totals, with this shape. If one payout in your data has this structure and no single ledger entry equals the deposit, the fixed-price job "Make every Stripe payout match one bank deposit line in Xero or QuickBooks Online" (from £495, an untested published price confirmed after your enquiry, payment after the agreed checks pass and you sign off) is relevant. Acceptance includes one ledger entry per test payout equal to the deposit and a clearing balance equal to only the unpaid transactions. Send invented examples and counts first, never credentials, bank details, invoices or customer records; real records are handled only after written agreement through a secure handoff.