Payouts are posted on business days only -- In cases where the payout expected post date falls on a weekend, it will be paid out the next business day. When your Payout Report shows a payout as being paid, the money has left Stripe and has been sent to your bank. Most banks deposit payouts into your bank account as soon as they are received, though some may take an extra few days to make them available. Banks can also add extra days, including weekends and holidays.

In most cases, refunds are credited to a replacement card if a customer's card has expired or been canceled. If there is no replacement card, the card issuer often refunds the customer by another method (for example, by check or bank deposit). In rare cases, a refund back to a card may fail.

You can refund charges in whole. Some refunds—those issued shortly after the original charge—appear in the form of a reversal instead of a refund. In the case of a reversal, the original charge drops off the client's statement rather than appearing as a credit back in their account.

There are no fees to refund a charge, but the Stripe and processing fees from the original transaction aren’t returned.

Example Refund: A $30 drop-in is purchased and the Stripe transaction fee is $1.17. The amount net for the $30 drop-in is $28.83 ($30 - $1.17 = $28.83). In the case the drop-in is refunded, the client is refunded $30. The transaction fee is kept by Stripe.

Your Payouts Report is your merchant statement. Export the Payout Summary to see your daily totals for payment processing fees. Your merchant statements are not accessed via Stripe.

Credit card fees are deducted from the payout the transaction is included in. Payout fees are deducted in daily payouts as well but they are based on the transactions from the previous payout. Please refer to our article about the Payout Report for more information.

While payout schedule refers to the cadence your funds are paid out on (for example, day of the week), payout speed refers to the amount of time it takes for your funds to become available. This would include the day the transaction was initiated plus two business days. Two days is the payout speed for transactions processed via Stripe in the United States. Depending on what time the transaction was processed, a payout can be deposited either three or four days after it was initiated.

It's best not to compare these reports directly because they show different things:

Think of it like this: The Sales report is like a snapshot of what you've sold, while the Payouts report is more like a record of the money that's actually hit your account.

Here's a simple example:

This approach ensures that when you see a payout fee, it's based on fully processed and settled transactions.