How I stopped reconciling Stripe payouts in spreadsheets

The problem Every two days, Stripe sends a payout to your bank account. The amount is some combination of charges, refunds, fees, and adjustments, bundled together in ways that rarely match what you expected. The number that shows up in your bank account is almost never a number you can find anywhere in Stripe. If you have a handful of transactions per week, you can probably eyeball it. But once you are processing 50+ charges a day across multiple products, the payout amounts start looking random. $4,271.88 lands in your bank account. Where did that number come from? What I tried first: CSVs and VLOOKUP The obvious approach. Export payouts from Stripe, export transactions from your bank, paste both into a spreadsheet, VLOOKUP on the amount. It works for about a week. Then you hit the edge cases: Stripe batches multiple charges into a single payout, so the bank deposit amount does not match any individual charge. Stripe deducts fees before sending the payout. A $100 charge becomes a $97