Payment processor statement analyzer
Turn settlement and payout reports into rows that reconcile: gross collected, fee kept, net deposited.
A payout report is not a bank statement. It describes the money customers paid you, the money the processor kept, and the batch that eventually landed in your account, and those three figures are never the same. Karchu reads settlement and payout exports directly so the difference is recorded instead of guessed at.
Providers Karchu recognises
| Provider | What the export gives us |
|---|---|
| Stripe | Balance and payout exports with gross, fee and net columns, plus payout ids that group charges into the deposit that reached the bank. |
| PayPal | Activity and settlement downloads where gross, fee and net sit on the same row, including currency conversion lines. |
| Razorpay | Settlement reports in Indian rupee formatting, with fee and tax on fee kept as separate amounts. |
| Square | Transaction and transfer reports, with card processing fees split out of the deposit. |
| Wise | Statement exports carrying source and target currency amounts and the exchange rate used. |
| Adyen | Settlement detail reports where a single batch mixes captures, refunds, chargebacks and fees. |
| Shopify Payments | Payout exports where order references tie a deposit back to the orders inside it. |
| Amazon and marketplace settlements | Settlement reports where commission, fulfilment and refund lines sit alongside sales. |
Recognised providers get an exact column mapping. Anything else still parses through the general header matching, which understands the usual vocabulary for dates, amounts, fees, references and counterparties in several languages.
The gross, fee and net problem
Say a customer pays 100. The processor keeps 2.90 plus 30 pence, and 96.80 lands in the bank two days later, bundled with nineteen other charges into one deposit. If you only record the deposit, your revenue is understated, your costs are invisible, and the deposit does not match any invoice you raised.
Karchu writes the gross amount as income and the fee as its own expense line, so the arithmetic is on the page: gross minus fee equals the net that the bank shows. That also means the fee total in your pay in and pay out report is a real number you can act on, not an estimate.
Reconciling a payout to the bank
- Upload the processor payout report for the period.
- Upload the bank statement covering the same dates.
- Match each payout batch to the deposit with the same net amount and date.
- Check that gross minus fees for the batch equals that deposit.
- Investigate any batch with no matching deposit: it usually settled after the period end, or was held back for a reserve or a chargeback.
Timing, holds and reserves
Processors settle on a delay, and the delay is not constant. A sale on the last day of the month often settles in the next month, so a payout based summary and a sales based summary will legitimately disagree at period boundaries. Rolling reserves, disputed transactions and negative balances after a refund heavy day all produce payouts that do not match the sales inside them. None of these are parsing errors, and Karchu shows them rather than adjusting them away.
Related reading
- What is a settlement report?
- Gross, fee and net explained
- Reconciling Stripe payouts step by step
- Business document analyzer
Frequently asked questions
- Why not just use the bank line for a payout?
- The bank shows the net deposit only. The payout report shows what customers actually paid, what the processor kept, and which charges made up the deposit. Using the bank line alone understates revenue and hides the cost of collection.
- How are fees recorded?
- When a row provides gross, fee and net, Karchu records the fee as its own line so the totals reconcile: gross income in, fee expense out, net matching the deposit that reached the bank.
- Are refunds and chargebacks handled?
- Yes. Refunds, reversals, chargebacks and adjustments are read as their own rows and matched back to the original charge where the report supplies a reference.
- What about foreign currency payouts?
- Where the report carries a currency and a conversion rate, both are kept on the row, so a converted amount can be traced back to the original figure rather than silently rounded.
- Do I need the Business plan?
- Yes. Processor payout handling and the fields it produces are part of the Business plan.
- What if my processor is not listed?
- Karchu still parses the file. Recognised providers get an exact column mapping, and everything else falls back to the general header matching, which handles most exports as long as the file has a date column and an amount column.