Why multi-processor reconciliation is hard
Most ecommerce brands run more than one processor, and each behaves differently:
- Stripe batches many charges into one payout, net of per-transaction fees, refunds, and disputes.
- PayPal mixes sales, fees, refunds, and holds, often with its own settlement timing.
- Affirm and other BNPL providers settle on their own schedule and fee structure.
Each processor's payout lands as a net number on a different cadence, so reconciling means decomposing several payout streams and tying each back to orders, then keeping fees, refunds, and chargebacks booked correctly across all of them.
How to reconcile a processor payout
- Transaction: the charge the processor authorized for an order.
- Payment: the amount captured, net of the processor fee.
- Payout / bank deposit: the batched net cash deposited.
Match transaction → payment → payout for each processor, split out fees, refunds, and chargebacks, and post to the GL.
How Blue Onion automates payment processor reconciliation
Blue Onion connects directly to your payment processors and banks (not just your sales channels) and reconciles every transaction to every payout across Stripe, PayPal, and many other processors and systems at the transaction level. Its Close module books each processor fee automatically (e.g., a per-order fee split from the gross charge), performs the three-way match across systems, and posts daily ERP-ready entries, while chargebacks and re-cleared payouts are auto-detected and booked to the right period. Connecting to the processors and banks directly is what lets Blue Onion reconcile the full path, rather than only booking a payout total.
FAQ
Why doesn't my Stripe or PayPal payout match my sales?
Processors batch many transactions into one payout and subtract fees, refunds, and disputes first, so the deposit is net and lower than gross sales: it has to be decomposed to reconcile.
How do I reconcile multiple payment processors at once?
Each processor's payouts must be tied back to orders separately, then rolled into your GL. Blue Onion reconciles all processors at the transaction level in one place and posts unified daily entries.
Does Blue Onion connect directly to processors and banks?
Yes. Blue Onion connects directly to payment processors and bank accounts, so it reconciles the full order-to-payout path rather than relying on channel settlement reports alone.
See it on your own data
Blue Onion reconciles every order to every payout automatically, so your close runs faster and your numbers are trustworthy from the first order to the final close.
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