payrecon · 2026-08

Expected closing = opening + sales + refunds + chargebacks + fees + payouts arrived. The difference to the ledger must be fully explained by the breaks below.

File	Detected as	Evidence
stripe_payout_reconciliation.csv	Stripe payout reconciliation report (itemized CSV)	generated in the PSP's own format
mollie_settlements.json	Mollie settlements (JSON)	generated in the PSP's own format
adyen_settlement_details.csv	Adyen settlement details report (CSV)	generated in the PSP's own format
bank_camt053.xml	Bank statement (ISO 20022 camt.053 XML)	generated in the PSP's own format
exact_transactionlines.json	Exact Online TransactionLines (REST JSON)	generated in the PSP's own format

PSP	Opening	Sales	Refunds	Chargebacks	Fees	Payouts arrived	Expected closing	Ledger closing	Difference	Explained	Unexplained
Adyen	€5,685.82	€91,748.60	-€2,534.97	-€353.85	-€1,255.97	-€87,316.68	€5,972.95	€5,986.64	€13.69	€13.69	€0.00
Mollie	€6,663.51	€77,267.61	-€3,465.86	-€327.85	-€233.49	-€69,325.76	€10,578.16	€10,736.91	€158.75	€158.75	€0.00
Stripe	€6,406.93	€98,598.29	-€2,426.11	-€357.91	-€1,913.34	-€88,265.18	€12,042.68	€13,835.64	€1,792.96	€1,792.96	€0.00

Review · 20 open · 0 confirmed · 0 changed · 0 dismissed

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Missing payout · 1 · €2,489.69

PSP	Amount	What happened	Proposed entry	Status	Decision
Stripe	€2,489.69	Stripe payout po_l7ul0rhll9e3e1k1gkx9tewh (€2,489.69) paid on 18 Aug 2026 was due by 21 Aug 2026 and has not arrived. Contact Stripe.	—	open

Unknown bank credit · 1 · €504.49

PSP	Amount	What happened	Proposed entry	Status	Decision
Stripe	€504.49	€504.49 from STRIPE PAYMENTS EUROPE LTD on 20 Aug 2026 ("STRIPE TRANSFER") matches no payout in the Stripe data. It is booked on the clearing account.	Dr 1105 €504.49 Cr 2999 €504.49	open

Sale unbooked · 4 · €538.35

PSP	Amount	What happened	Proposed entry	Status
Adyen	€138.07	Adyen charge 7442N8G4535VJF9T for €138.07 (order ORD-101614, 12 Aug 2026) has no booking.	Dr 1107 €138.07 Cr 2999 €138.07	open
Stripe	€61.19	Stripe charge ch_aiket5fn9jx12i for €61.19 (order ORD-101214, 7 Aug 2026) has no booking.	Dr 1105 €61.19 Cr 2999 €61.19	open
Stripe	€159.32	Stripe charge ch_rn6cylyp6y0y4b for €159.32 (order ORD-101425, 10 Aug 2026) has no booking.	Dr 1105 €159.32 Cr 2999 €159.32	open
Stripe	€179.77	Stripe charge ch_x00j7sqoqllrho for €179.77 (order ORD-101765, 15 Aug 2026) has no booking.	Dr 1105 €179.77 Cr 2999 €179.77	open

Duplicate posting · 1 · €63.14

PSP	Amount	What happened	Proposed entry	Status	Decision
Stripe	€63.14	Order ORD-102087 (€63.14) is booked twice; posting 26001009-1 on 20 Aug 2026 is the duplicate.	Dr 2999 €63.14 Cr 1105 €63.14	open

Chargeback unbooked · 1 · €151.76

PSP	Amount	What happened	Proposed entry	Status	Decision
Adyen	€151.76	The customer disputed order ORD-101120: Adyen took back €136.76 plus a €15.00 dispute fee on 6 Aug 2026. Not booked.	Dr 4420 €136.76 Dr 4410 €15.00 Cr 1107 €151.76	open

Refund unbooked · 2 · €260.59

PSP	Amount	What happened	Proposed entry	Status	Decision
Stripe	€242.79	Refund of €242.79 on order ORD-101351 (11 Aug 2026) was paid out by Stripe but is not booked.	Dr 8010 €242.79 Cr 1105 €242.79	open
Stripe	€17.80	Refund of €17.80 on order ORD-101276 (29 Aug 2026) was paid out by Stripe but is not booked.	Dr 8010 €17.80 Cr 1105 €17.80	open

Refund cross-period · 4 · €403.73

PSP	Amount	What happened	Proposed entry	Status
Mollie	€67.32	Refund of €67.32 on 2 Aug 2026 for order ORD-074352 relates to a sale from an earlier period; it is not booked and affects revenue cut-off for that earlier period.	Dr 8010 €67.32 Cr 1106 €67.32	open
Mollie	€88.93	Refund of €88.93 on 10 Aug 2026 for order ORD-100430 relates to a sale from 26 Jul 2026; it is not booked and affects revenue cut-off for that earlier period.	Dr 8010 €88.93 Cr 1106 €88.93	open
Stripe	€47.75	Refund of €47.75 on 7 Aug 2026 for order ORD-100752 relates to a sale from 31 Jul 2026; it is not booked and affects revenue cut-off for that earlier period.	Dr 8010 €47.75 Cr 1105 €47.75	open
Stripe	€199.73	Refund of €199.73 on 8 Aug 2026 for order ORD-079898 relates to a sale from an earlier period; it is not booked and affects revenue cut-off for that earlier period.	Dr 8010 €199.73 Cr 1105 €199.73	open

Fee unbooked · 1 · €1,913.34

PSP	Amount	What happened	Proposed entry	Status	Decision
Stripe	€1,913.34	Stripe charged €1,913.34 in fees between 1 Aug 2026 and 31 Aug 2026; none are booked on the clearing account.	Dr 4410 €1913.34 Cr 1105 €1913.34	open

FX variance · 1 · €213.18

PSP	Amount	What happened	Proposed entry	Status	Decision
Stripe	€213.18	117 GBP sales were booked at the ledger's exchange rate, which values them €213.18 more than the euro amounts Stripe actually settled at its own conversion rate.	Dr 8900 €213.18 Cr 1105 €213.18	open

Amount mismatch · 1 · €2.50

PSP	Amount	What happened	Proposed entry	Status	Decision
Mollie	€2.50	Mollie payout stl_yi8mk6jsmy of €8,259.06 arrived as €8,256.56 on 14 Aug 2026, €2.50 short; likely a bank charge.	Dr 4411 €2.50 Cr 1106 €2.50	open

Payout integrity · 1 · €500.00

PSP	Amount	What happened	Proposed entry	Status	Decision
Adyen	€500.00	Adyen payout adyen-batch-229 (€1,652.32) is €500.00 below the €2,152.32 net of its transactions: a reserve was withheld.	Dr 1150 €500.00 Cr 1107 €500.00	open

In transit · 2 · €11,992.70

PSP	Amount	What happened	Proposed entry	Status	Decision
Adyen	€3,082.26	Adyen payout adyen-batch-242 (€3,082.26) was paid on 31 Aug 2026 and reached the bank on 1 Sep 2026, after period end. No action.	—	open
Mollie	€8,910.44	Mollie payout stl_u13gmc4k6g (€8,910.44) was paid on 31 Aug 2026 and reached the bank on 1 Sep 2026, after period end. No action.	—	open

Payout reconciliation · 1 Aug – 31 Aug 2026

Clearing-account proof