What We Do
PayoutWatch is a Shopify-embedded application that reconciles Stripe payouts against bank deposits — and explains every variance in plain English.
Our 4-pass matching engine (exact, fuzzy with ±1¢ tolerance, batch-sum, and a manual queue for the rest) handles real-world messiness: rounding from currency conversion, refunds that hit between payouts, batched deposits, and timing differences between Stripe and your bank.
If you sell on Shopify and use Stripe, PayoutWatch turns "what is this $12.30 line?" into "likely a 50¢ rounding from currency conversion" — across hundreds of payouts, in seconds.
Why PayoutWatch Exists
Most merchants don't reconcile their Stripe payouts. The ones who try usually do it in a spreadsheet — pasting in CSVs, eyeballing differences, giving up after the third unexplained variance.
The problem isn't laziness. It's that variance explanations require knowing how Stripe groups charges into payouts, how currency conversion rounding accumulates, how disputes and refunds rewind state, and how each bank formats its deposits. That's a lot of context for a one-person finance team.
PayoutWatch was built to encode that context. The matching engine handles the mechanics, the variance reports translate the result into plain English, and you get back the time you used to spend hunting for missing fees.
How We Work
Read-only Stripe access. The OAuth scope we request reads payout summaries and nothing else. We never see your customer-level transaction details, card numbers, or PII.
Server-side processing. Payout summaries and bank transaction rows are stored on Google Cloud SQL (US-Central, encrypted at rest and in transit). We need this to run the matching engine across multiple uploads and to power historical reports — but we don't store customer names, emails, addresses, or bank account/routing numbers.
Shopify-native billing. Subscriptions are managed entirely through the Shopify Billing API. We never see your payment method. When you uninstall, the shop/redact webhook triggers full deletion of your data within 30 days.
Built by an operator. PayoutWatch is independent and bootstrapped — founded by Daniil Bulgakov after years of watching small e-commerce teams burn hours on payout reconciliation.
Contact
Questions, feature requests, or refund inquiries — reach us at sup@payoutwatch.org.