List Stripe payouts for the reconciliation period using the Payouts list endpoint filtered by arrival_date or created range; note each payout's id, amount, and status
For each payout, list balance transactions filtered by payout ID using the BalanceTransactions list endpoint with the payout parameter; this returns all charges, refunds, fees, and adjustments included in that payout
Sum the net amounts of all balance transactions for a given payout and verify they equal the payout amount; fee line items will appear as negative-amount fee type entries
Match the payout arrival_date and amount to your bank statement entry; differences indicate timing shifts from weekends/holidays or pending items not yet settled
For any discrepancy, inspect balance transactions of type adjustment or payout_failure to identify corrections applied by Stripe outside of normal charge/refund flows
Known gotchas
Balance transactions use the smallest currency unit (cents for USD); convert carefully before comparing to bank statement amounts denominated in major units
Automatic payouts may batch multiple days of activity; the payout amount is not simply today's charges minus fees — use the balance transaction list, not arithmetic on charges
Stripe can issue negative payouts (debits) to recover refunds or disputes; ensure your bank reconciliation handles debit payout entries rather than treating all payouts as credits
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