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Payment and deposit reconciliations

Most bank deposits are not single payments. They are processor payouts, card batches, lockbox files or ACH batches with fees, refunds and chargebacks netted out. This category covers reconciling those payments to the bank and the ledger: Stripe, PayPal, Square, Shopify and marketplace payouts, merchant deposits, cash drawers and daily sales, undeposited funds and matching deposits to invoices. Start with Payment Reconciliation: Processor, Ledger and Bank, then move to the processor you use.

  1. Three Way Match Accounts Payable Teams Can Rely On

    Three way match for accounts payable: purchase order, receipt and invoice, tolerances, exceptions, and how it ties to the payment that leaves the bank.

    Published October 17, 2026accounts payablepurchase orderspayment controls

  2. Stripe Payout Reconciliation to the Bank and Ledger

    Stripe payout reconciliation: break each payout into charges, refunds, fees and disputes, tie it to the bank deposit and book the net correctly.

    Published October 17, 2026stripepayoutsprocessor fees

  3. Remittance Advice Reconciliation to Payments

    Remittance advice reconciliation: read the remittance, apply the payment to the right invoices, record deductions and follow up on missing advice.

    Published October 17, 2026remittance advicecash applicationdeductions

  4. Recurring Billing Reconciliation for Subscriptions

    Recurring billing reconciliation for subscriptions: billing system to processor to bank, failed payments, retries, refunds and the revenue ledger.

    Published October 17, 2026subscriptionsrecurring revenuepayment processors

  5. How to Record Merchant Processing Fees Correctly

    How to record merchant processing fees: gross versus net deposits, daily or monthly fee debits, the monthly statement and why net recording hides revenue.

    Published October 17, 2026merchant feesjournal entriescard processing

  6. How to Reconcile Zelle Payments in a Business Account

    How to reconcile Zelle payments in a business account: vague descriptions, matching to customers and vendors, and keeping personal transfers out.

    Published October 17, 2026zellebank transferssmall business

  7. How to Reconcile Square Deposits to Sales

    How to reconcile Square deposits: match daily transfers to sales reports, separate fees, refunds and instant transfer charges, and find missing days.

    Published October 17, 2026squarecard depositssales tie-out

  8. How to Reconcile Shopify Payouts to Orders

    How to reconcile Shopify payouts: payout reports to orders, fees, refunds and chargebacks, other gateways, and tying each payout to the bank deposit.

    Published October 17, 2026shopifyecommercepayouts

  9. How to Reconcile Payroll Bank Account Activity

    How to reconcile a payroll bank account: funding transfers, net pay debits, tax debits, uncashed paychecks and why the balance should end near zero.

    Published October 17, 2026payrollimprest accountoutstanding checks

  10. How to Reconcile PayPal Transactions Each Month

    How to reconcile PayPal transactions: treat PayPal as a bank account, use the activity report, record fees and holds, and tie transfers to the bank.

    Published October 17, 2026PayPalpayment processorsclearing accounts

  11. How to Reconcile Multi Currency Payments

    How to reconcile multi currency payments: invoice rate versus settlement rate, conversion fees, realized gains and losses and tying to the bank.

    Published October 17, 2026foreign exchangerealized gainsconversion fees

  12. How to Reconcile Merchant Deposits From Card Sales

    How to reconcile merchant deposits from card sales: batch reports to deposits, card brands paid separately, settlement delays and month-end timing.

    Published October 17, 2026card processingmerchant depositssettlement

  13. How to Reconcile Customer Refunds to the Bank

    How to reconcile customer refunds: card refunds netted from payouts, check and ACH refunds, approval evidence and refunds that never reached a customer.

    Published October 17, 2026refundspayoutsrefund fraud

  14. How to Reconcile Chargebacks and Reversals

    How to reconcile chargebacks: the debit, the dispute fee, a won reversal, and keeping receivables and revenue correct while the dispute is open.

    Published October 17, 2026chargebacksdisputescard payments

  15. Reconcile Cash Receipts to Bank Deposits Daily

    How to reconcile cash receipts to bank deposits: receipt logs against deposit slips, combined deposits, delays and the gaps that point to skimming.

    Published October 17, 2026cash receiptsdeposit slipsdaily tie-out

  16. Payment Reconciliation: Processor, Ledger and Bank

    What payment reconciliation involves: processor reports, the ledger and the bank deposit, the fees and timing in between, and a three-way tie-out.

    Published October 17, 2026payment processorsthree-way tie-outdeposits

  17. Payment Processor Reserve Accounting and Release

    Payment processor reserve accounting: record the held amount as an asset, track releases against the bank, and reconcile the reserve each month.

    Published October 17, 2026processor reservesheld fundsrollforward

  18. Partial Payment Reconciliation for Open Invoices

    Partial payment reconciliation: apply the amount received, keep the invoice open, track short-pays and agree the balance with the customer.

    Published October 17, 2026receivablesinvoicesshort pays

  19. How to Match Bank Deposits to Invoices

    How to match bank deposits to invoices when one deposit pays several invoices, short-pays one or arrives with no remittance, step by step.

    Published October 17, 2026receivablescash applicationdeposits

  20. Lockbox Reconciliation: Bank File to Receivables

    Lockbox reconciliation: match the bank's lockbox file to the deposit and to receivables, handle unidentified payments and short-paid invoices.

    Published October 17, 2026lockboxaccounts receivablecash application

  21. Gift Card Liability Reconciliation to Sales and Bank

    Gift card liability reconciliation: tie cards sold and redeemed to the liability account, card program reports and the bank, plus breakage and expiry.

    Published October 17, 2026gift cardsliabilitiesretail

  22. Food Delivery App Payout Reconciliation for Restaurants

    Food delivery app payout reconciliation for restaurants: order reports, commissions, promotions, adjustments and tying weekly payouts to the bank.

    Published October 17, 2026restaurantsdelivery appspayouts

  23. Ecommerce Reconciliation Across Platforms and Banks

    Ecommerce reconciliation across platforms: orders, payouts, fees, returns and taxes, a monthly routine and how to tie several channels to one bank.

    Published October 17, 2026ecommercemarketplacesmonthly close

  24. Daily Sales Reconciliation From POS to Bank

    Daily sales reconciliation from the POS report to the bank: cash, cards, gift cards and delivery apps, with a template and how to chase a short day.

    Published October 17, 2026point of salecash drawercard batches

  25. Customer Overpayment Reconciliation and Refunds

    Customer overpayment reconciliation: spot it in the deposit, hold it as a credit, refund or apply it, and keep unclaimed credits from growing old.

    Published October 17, 2026overpaymentscustomer creditsrefunds

  26. How to Clear Undeposited Funds That Never Hit the Bank

    How to clear undeposited funds: group payments into the real bank deposits, find payments recorded twice and fix balances that built up for years.

    Published October 17, 2026undeposited fundsquickbookscleanup

  27. Amazon Settlement Reconciliation for Sellers

    Amazon settlement reconciliation for sellers: reading the settlement report, fees, reserves and reimbursements, and tying each disbursement to the bank.

    Published October 17, 2026amazonmarketplace sellerssettlements

  28. ACH Return Reconciliation and Return Codes

    ACH return reconciliation: reading return codes, reversing the receipt or payment, re-presenting and tracking returns that land after month-end.

    Published October 17, 2026ach returnsreturn codesreceivables

  29. ACH Batch Deposit Reconciliation to Customer Payments

    ACH batch deposit reconciliation: split one bank credit into the customer payments inside it using the addenda or report, and resolve unknowns.

    Published October 17, 2026ACHbatch depositsreceivables