PayoutRecon — Stripe Payouts vs Internal Ledger Reconciliation
22 daily payouts reconciled against the internal ledger. Per payout: gross / fee / refunds / disputes / FX-spread / other-adj / Stripe net / ledger expected / variance. Break categories: refund-out-of-period, fee-rate-mismatch, dispute-chargeback, currency-fx-spread, payout-timing-skew, missing-transaction. Surfaces $4,820 in unreconciled breaks + 1 systemic fee-rate misconfiguration.
What it is
The shape behind every healthy finance-ops reconciliation. Stripe / Adyen / Braintree push daily payouts; the internal ledger expects a specific number based on accrued revenue. Most teams build this in Excel and discover the variance only at month-close. PayoutRecon prototypes the daily gate.
What’s in it
- 22 daily payouts with full breakdown:
- Gross charges → fees → refunds → disputes → FX spread → other adjustments → Stripe net
- Ledger-expected for the same window (computed from internal accruals)
- Variance = Stripe net − ledger expected
- 6 break categories classified per variance:
- fee-rate-mismatch — Stripe applied 3.04% (Connect Standard) but ledger expected 2.9%. Recurring (PO-008 + PO-016).
- currency-fx-spread — EUR→USD wider than usual (PO-020, $2,840).
- dispute-chargeback — landed in different settlement window (resolved next-day).
- missing-transaction — 3 charges in Stripe but not in ledger; possible event-handler dropped messages (PO-022, $3,380; cross-references IncidentLog INC-04211).
- other-adjustment — Stripe Tax remit (resolved).
- refund-out-of-period / payout-timing-skew — categorized but not seeded in this snapshot.
- Worst-offender findings:
- PO-022 — $3,380 missing-transaction break, UNRESOLVED. Possible event-handler bug.
- PO-020 — $2,840 FX-spread break, UNRESOLVED. Investigate FX-provider terms.
- PO-008 + PO-016 — recurring fee-rate-mismatch ($1,640 each) — SYSTEMIC. Confirm Stripe Connect rate change.
Why this shape
ASC 606 (revenue recognition) + SOX §404 (internal controls) + PCI-DSS v4.0 Req 12.4 + AICPA SOC1 (financial controls) all demand daily reconciliation with documented variance + resolution. The killer audit finding: a recurring break category that was never escalated to engineering. PayoutRecon prototypes the gate that surfaces both the per-day variance + the systemic patterns at the top.
How it ships
Single HTML file, ~15KB. Zero dependencies. 22 payouts × 6-category break classifier + systemic-pattern detection in 200 lines of vanilla JavaScript.