Payout reconciliation, automated

Close the books when every processor finally agrees.

Ledgerline reconciles payouts across Stripe, PayPal, and Shopify to the penny — matching gross sales, processor fees, refunds, and bank deposits automatically. Your finance team closes in hours, with a clean audit trail instead of a wall of spreadsheets.

SOC 2 Type II · Read-only, no funds movement · Deploys in a day

Reconciliation · Nov close matching
Payout processors
stripe ST-8841$42,180.55
paypal PP-2093$9,742.10
shopify SH-5510$18,905.34
Bank deposits
svb ····4471$42,180.55
svb ····4471$9,742.10
svb ····4471$18,905.34
0
Matched
$70,827
Reconciled
0
Exceptions
Connects to the stack your revenue already runs on
Stripe PayPal Shopify NetSuite QuickBooks
The month-end problem

Three processors. One bank. And a spreadsheet that never quite ties out.

Every processor reports differently — gross here, net there, fees batched somewhere else, refunds on a lag. When the deposit hits your account, someone has to prove it matches the sales that earned it. That someone is your team, at 9pm, on the fifth business day.

  • Fees you can't trace. Stripe, PayPal, and Shopify each net out processing fees before deposit — reconstructing gross-to-net by hand is where the hours go.

  • Deposits that don't line up. One bank line can bundle three payout batches across two days. Untangling it is manual every single time.

  • Refunds and chargebacks on a lag. Money leaves days after the sale, landing in a different period and breaking the tie-out.

  • No audit trail. When the auditor asks how a number was derived, the answer lives in someone's head and a tab named final_v4.

5–8 days
Typical time mid-size finance teams spend reconciling payouts each monthly close.
$1.2M+
Annual gross payout volume where manual reconciliation stops being viable.
2.9% ×3
Processor fee structures to reconcile — different rules, different reporting, every batch.
How it works

From connected to closed in three steps.

No engineering project, no data migration. Ledgerline reads directly from your processors and bank, then does the matching your team does by hand — continuously.

01

Connect your accounts

Read-only OAuth to Stripe, PayPal, and Shopify, plus a bank feed. No credentials stored, no ability to move funds. Historical data backfills automatically.

02

Match automatically

Our engine ties gross sales to fees, refunds, and deposits — payout batch by payout batch. Confident matches clear themselves; only genuine exceptions surface for review.

03

Close with confidence

Export reconciled journal entries to NetSuite or QuickBooks, hand auditors a complete trail, and close the period knowing every dollar is accounted for.

The product

A reconciliation ledger built for the close, not a report you export once.

One system of record for every dollar

Ledgerline holds every payout, fee, refund, and deposit in a single reconciled ledger. Drill from a bank line down to the individual orders that funded it — and back up to the journal entry — without leaving the screen.

  • Deterministic matching — fee-aware rules tie gross to net, not fuzzy guesses you have to re-check.
  • Exception queue — only what genuinely didn't reconcile reaches a human, with the likely cause attached.
  • Immutable audit trail — every match, adjustment, and sign-off is logged and exportable.
Capabilities

Everything the close needs. Nothing it doesn't.

Fee-level reconciliation

Reconstructs gross-to-net for every processor, so processing fees, interchange, and platform cuts tie out line by line.

Multi-entity & multi-currency

Consolidate payouts across subsidiaries and currencies with FX handled at settlement, not guessed after the fact.

Refund & chargeback tracking

Follows money that leaves after the sale and attributes it to the right period, so lagged reversals never break the tie-out.

ERP-ready journal entries

One-click export of reconciled entries to NetSuite, QuickBooks, or CSV — mapped to your chart of accounts.

Roles, approvals & sign-off

Preparer and reviewer roles, period locks, and documented approvals — controls your auditors will actually recognize.

Continuous, not month-end

Matching runs as data lands, so the close is a review — not a reconstruction. Break the period early and there's nothing left to catch up on.

Security & controls

Built to pass the diligence a CFO signs off on.

Ledgerline connects read-only and never touches your money. It's designed to sit inside a controls environment auditors trust — because your name is on the numbers it produces.

SOC 2 Type II

Independently audited security, availability, and confidentiality controls. Report available under NDA.

Read-only by design

Scoped OAuth with no funds-movement permission. We can see your transactions; we can never move a dollar.

Encryption everywhere

AES-256 at rest, TLS 1.2+ in transit, and tenant-isolated data. Field-level encryption on financial records.

SSO & granular access

SAML/SSO, SCIM provisioning, and role-based permissions with a complete, immutable audit log.

SOC 2 Type II GDPR ready PCI-conscious architecture SSO / SAML
Why teams switch
"We went from a five-day payout reconciliation to a single morning review. The exceptions queue means my team looks at the six things that actually need judgment — not the six thousand that don't."
Controller, mid-market e-commerce brandIllustrative outcome from the design-partner program
Pricing

Priced to the volume you actually reconcile.

Every plan includes all three processor connections, unlimited users, and the full audit trail. Pick by payout volume; grow without re-platforming.

Growth

For teams bringing payout reconciliation off spreadsheets for the first time.

$499/mo
Billed monthly
Start with Growth
  • Up to $500K monthly payout volume
  • Stripe, PayPal & Shopify connections
  • Automated matching & exception queue
  • CSV & QuickBooks export
  • Single entity
Enterprise

For high-volume merchants with custom processors and controls requirements.

Custom
Volume-based · annual
Talk to sales
  • Unlimited payout volume & entities
  • Custom processors & bank feeds
  • SSO/SAML, SCIM & SOC 2 report
  • Dedicated solutions engineer & SLA
  • Custom DPA & security review
Questions

What CFOs ask before they sign.

No. Ledgerline connects with read-only, scoped access to your processors and bank feed. It has no permission to initiate transfers, issue refunds, or move funds of any kind. It reads transaction data and reconciles it — nothing more.

Most teams are connected and reconciling the same day. There's no data migration and no engineering work — you authorize the connections, we backfill your history, and matching begins immediately. Scale and Enterprise plans include guided onboarding to map your chart of accounts.

It goes to the exception queue with the likely cause attached — a timing lag, a partial refund, an unbatched deposit. Your team resolves it once, and Ledgerline learns the pattern so similar cases clear automatically next period. Nothing is ever auto-hidden; every match is inspectable.

Yes. Reconciled journal entries export to NetSuite and QuickBooks Online mapped to your chart of accounts, or as CSV for any other system. Enterprise plans support custom export formats and direct API delivery.

Stripe, PayPal, and Shopify Payments are supported today. Adyen, Braintree, Amazon Pay, and direct card acquirers are on the roadmap and available to Enterprise customers on request — tell us what you run and we'll confirm a timeline.

Get in touch

See your own numbers reconciled.

Book a 30-minute demo and we'll reconcile a recent payout batch from your own Stripe, PayPal, or Shopify account live — so you see the tie-out on your data, not a canned deck.

sales@ledgerline.io
For demos, pricing, and security reviews.
Security & diligence
SOC 2 report, DPA, and pen-test summary available under NDA.
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