Payout mismatch checker

Compare one payout, not a day’s sales

Start with the platform’s final report for one payout and the matching bank entry. Check the transfer reference, destination account and payout currency in your records. Order dates, settlement dates and bank dates can differ. A store-wide sales report or a period activity total may not describe the batch sent to the bank.

This checker compares entered totals in USD. It does not connect to a platform, inspect your files or validate a bank statement. Use amounts already expressed in the same payout currency; it does not convert currencies. Negative transfers and bank withdrawals require the provider’s debit records rather than this deposit comparison.

Two separate mismatch checks

1. Breakdown to platform: captured receipts plus credits and reserve releases, minus refunds, fees, disputes, withheld tax, reserve holds and other deductions.
2. Platform to bank: reported payout minus a documented bank-only fee, compared with the actual deposit.

The first difference is reported payout minus the entered breakdown. The second is actual bank deposit minus the expected bank amount. Positive means above the comparison amount; negative means below. The checker uses exact cents. It does not hide a difference in a tolerance or invent an adjustment to make the numbers balance.

If you only know the final payout total, choose the known-total mode. That checks the bank comparison but leaves the breakdown untested. If a bank entry has not arrived, select pending. The bank check stays pending instead of treating a missing entry as a $0 deposit.

Enter each movement once

Captured receipts should include shipping and collected tax already in the payout’s gross charge amounts, after discounts but before the separately entered deductions. Do not add shipping or tax again. Use the report’s actual refund and fee movements; if a line is already net of fees, separate its gross and fee amounts or leave the already-included deduction out.

Enter deductions as positive amounts. Net tax withheld means an amount the platform actually removed from this payout, not an estimated sales-tax liability. Reserve holds reduce available cash; reserve releases add previously held cash. They do not create new sales. Use other credits and deductions only for documented movements in this payout.

A bank-only fee belongs in the transfer check only when it reduces the bank entry and has not already reduced the reported payout. Foreign-exchange differences cannot be explained by guessing a fee. Confirm conversion and destination amounts in the provider and bank records.

Example: the payout adds up, but the deposit is $5 short

The example has $1,130 captured receipts, $100 refunds, $50 platform fees, $80 net tax withheld and a $100 reserve hold. The entered breakdown is $800 and matches the platform’s $800 payout. A documented $5 bank-only fee makes the expected bank deposit $795. An actual deposit of $790 leaves a separate $5 difference.

This does not prove a missing fee or lost money. Check the transfer reference, any split or combined deposits, the final payout status, currency and bank deductions. Change the bank entry to $795 to see the transfer amounts match. Matching amounts still require source-document and accounting review.

Questions sellers ask

Where to get the right report

For Shopify Payments, open the specific payout and its transactions. Shopify’s payout-details guide describes the reference, status and per-payout export. Its activity-report guide explains why period totals and bank deposits can differ.

Stripe’s payout reconciliation report groups underlying activity for automatic payouts; manual or instant payouts need the appropriate balance or transaction workflow. Paddle’s report guide explains remittance references and balance-currency amounts. These are source-report examples, not claims that Taxomate supports Stripe or Paddle integrations. Sources reviewed October 14, 2026.

Use the result without forcing the books to balance

Download the local CSV worksheet to keep the entered amounts and the two differences together. It contains amounts, mode and comparison results, without account or customer identifiers. No file upload is needed. The checker code does not send or save your entries; the site’s existing privacy choices still apply.

Keep unexplained differences open for investigation. This tool does not recommend a balancing journal entry or certify that a payout is reconciled. Use the chart-of-accounts template to review relevant account categories, and see the Shopify–QuickBooks workflow or supported marketplace integrations for Taxomate’s accounting workflows.

Planning future deposits and inventory payments? Use the 13-week cash flow planner to compare payout timing and cash-buffer gaps.

Browse all seller tools and templates.