Payouts
The Payouts report follows your money the last part of the way: from your customers' payments, through Stripe's fees, to your bank account. It answers the questions the other cashflow reports can't:
- How much did Stripe actually pay out to us, and in which currencies?
- What did Stripe charge us, all fees included, and what share of the money coming in is that?
- Which fees, or which currencies, cost us the most, and why did they jump last month?
- What's in our Stripe balance right now, and when does the next payout land?
Find it under Reports → Payouts, in the Cashflow group of the menu. It has three tabs: Payouts, Fees and Balance. It's available for Stripe accounts (see which billing systems are supported).
If you run a platform on Stripe Connect, your platform income is in the Cashflow report, next to your other revenue.
Payouts
The Paid out to your banks chart shows every payout Stripe made, stacked by the currency it was paid out in and converted to your reporting currency at each period's exchange rate. Pick the interval (day, week, month, quarter or year) and the date range as on any other report.
Under the chart, the summary strip shows:
| Number | What it is |
|---|---|
| Paid out | Everything Stripe paid out in the date range |
| Payouts | How many payouts that was |
| In transit | Payouts Stripe has sent that haven't reached your bank yet |
| Next payout | An estimate of your next payout and its date, from your current balance and your payout schedule |
The table has a row per currency, then Paid out (all currencies, converted) and the number of Payouts per period.
Click an amount in the table to list that period's payouts below it. Without a selection, the list shows your latest payouts. For each payout you see:
- Date – when Stripe made the payout
- Arrives – when it reached (or will reach) your bank
- Bank account – the bank and the last digits of the account
- Status – paid, failed or canceled
- Paid out – the amount, in your reporting currency and in the payout's own currency
A payout counts in the period Stripe made it. If you pay out in several currencies, Stripe makes a separate payout per currency, so you'll often see several payouts on the same day.
Fees
The Stripe fees chart shows everything Stripe charged you: the fee on each payment, and the fees Stripe takes straight from your balance, which never show up next to a customer.
| Fee type | What it covers |
|---|---|
| Payment fees | Stripe's fee on each payment, shown on the payment itself |
| Currency conversion | What converting a payment into your balance currency cost: Stripe's conversion fee and its exchange rate against the market rate. The same as FX loss in the Cashflow report |
| Card processing | Card processing fees Stripe charges separately from the payments |
| Network costs | Interchange and card scheme fees that Stripe passes on to you |
| Stripe Billing | Stripe's fee for subscriptions and invoices |
| Invoicing | Stripe Invoicing, for invoices outside subscriptions |
| Stripe Tax | Calculating and collecting sales tax and VAT |
| Revenue Recognition | Stripe Revenue Recognition |
| Sigma and Data Pipeline | Reporting on your Stripe data |
| Connect | Stripe Connect's fees for your connected accounts |
| Identity | Identity verifications |
| Financial Connections | Bank account verification and data |
| Dispute fees | Disputes, including Smart Disputes and countered disputes |
| Terminal and Issuing | In-person payments, and cards you issue |
| Network tokens | The card networks' tokens Stripe uses for your customers' saved cards |
| Payment method fees | Payment methods other than cards: bank debits and transfers, Link, Klarna, MobilePay and others |
| Payout fees | Fees for paying out, for example converting your balance when you're paid out in another currency, and multicurrency settlement |
| Radar | Fraud screening |
| Credits and revenue share | Money back from Stripe, such as fee credits from a startup program and card revenue share |
| Other Stripe fees | Anything else Stripe charges, such as custom domains and support plans, and refunds of platform fees |
You only see the types you actually pay. Which ones depends on your Stripe pricing. On standard pricing, most of the cost is in the payment fees. On interchange-plus pricing, the fee on each payment is small or zero, and Stripe instead charges the card networks' costs and its own card processing fee from your balance, usually daily. That's why the Fees tab is the complete picture of what Stripe costs you, while the Fees row in the Cashflow report only has the fee on each payment.
Under the chart, the summary strip shows your Fees in the date range, your Effective fee rate and your Largest fee type.
The effective fee rate
The effective fee rate is all your fees as a share of the money that came in: your customers' payments (after discounts, with taxes) plus any platform income. It's the one number to watch if you want to know what getting paid costs you, and whether a pricing change at Stripe, a new payment method or more customers abroad moved it.
Amounts or percentages
Use Show next to the interval to switch between Amount and Percentage.
- By fee type, each type's percentage is its share of all the money that came in, so the types add up to your effective fee rate.
- By currency, each currency's percentage is its own fee rate: the fees charged in that currency as a share of the money that came in in it. Rates don't add up, so the chart shows them as lines.
Group by fee type or currency
The Group by selector splits the fees by Fee type (the default) or by Currency. The currency view is where expensive currencies stand out: a currency with a high fee rate is costing you more than the rest to collect, often because more of its customers pay with foreign cards, or because paying it out costs extra on top of the fee on each payment.
In the currency view, fees count in the currency of the Stripe balance they're charged in. If a customer pays in a currency you don't hold a Stripe balance in, Stripe converts the payment into your account's default currency, so that payment and its fees count there. Fees for your whole account rather than for one currency's payments (Radar, Sigma and Data Pipeline, Revenue Recognition, Connect, Identity, Financial Connections, network tokens, and credits) get a row of their own, Account-wide fees, so they don't inflate one currency's rate.
Filters
Filter the report by Fee type and by Currency to focus on one kind of fee or one market. Both filters apply to the chart, the table and the list of fee lines.
See what's behind a number
Click any amount or percentage in the table to list the fee lines behind it below the table, largest first: the date, the fee type, Stripe's own description of the fee and the amount. For payment fees you also see the customer, with a link to their page. So if a currency's fee rate jumps one month, one click shows whether it was a dispute, a payout fee or a batch of foreign cards.
Balance
The Balance tab shows your Stripe balance per currency, as of GrowPanel's latest check:
| Column | What it is |
|---|---|
| Available | Money Stripe can pay out now |
| Pending | Money from recent payments that isn't available yet |
| In transit | Payouts on their way to your bank |
| Next payout | An estimate of the next payout in this currency, from your balance and your payout schedule |
The summary strip adds them up in your reporting currency: Available now, Pending, In transit and your Next payout.
Platform income in the Cashflow report
If you run a platform on Stripe Connect and take a fee from payments on your connected accounts (Stripe calls these application fees), that money is income for you. GrowPanel shows it where your other income is: in the Cashflow report.
- Platform income is a revenue line of its own, included in Gross and Net cashflow. Refunded application fees are subtracted.
- It's an option in the Category filter, so you can look at your platform income alone.
- The current period is projected, like the rest of the report.
Platform income is real cash, but it isn't subscription revenue, so it's never part of your MRR. It only appears if you earn it, and only without customer filters, since it doesn't belong to one of your customers.
The Cashflow report stays on the income side: its Fees row is the fee on each payment, as before. All of Stripe's fees are here in the Fees tab.
What about FX loss? When a customer pays in a currency your Stripe balance doesn't hold, Stripe converts the payment, and the conversion costs a little against the market rate. That cost is taken when the payment settles, before any payout. It's in the Fees tab as Currency conversion, so your effective fee rate is the whole cost of getting paid, and in the Cashflow report's FX loss row: the same numbers. If your Stripe account holds a balance in each currency you charge in, you won't see any.
When it lands in your bank: the cashflow forecast
For Stripe accounts, the three toggles of the cashflow forecast go one step further:
- Include one-time, usage & platform income adds your platform income, from your average of the last six months.
- Include refunds & Stripe fees also subtracts Stripe's fees, at the rate you actually paid recently, all fees included.
- Account for delays, failures & payouts also moves the cash to when it should reach your bank, from your payout schedule and how long your payouts take to arrive. The first period adds what's in your Stripe balance or on its way to you.
Turn all three on and the forecast shows the cash you can expect in your bank account, period by period, instead of the payments your customers will make.
On your dashboard
Two widgets bring this to your dashboard: Paid out (what Stripe paid out, by currency) and Stripe fees (every fee, by type). Click Edit layout, then Add widget, and find them under Cashflow reports. See customizing your dashboard.
Where the data comes from
GrowPanel reads your payouts, the balance transactions behind them, your balance and your payout schedule through your existing Stripe connection. There's nothing to set up and no new permissions to approve. Your full payout history is imported when you connect Stripe, and GrowPanel checks for new payouts every day, so a payout shows up in the report the day after it settles. Payouts still on their way are shown as in transit.
Which billing systems are supported
Payouts are available for Stripe only.
Chargebee, Recurly and Alunta manage your subscriptions, but they don't move the money: the payment provider behind them (Stripe, Braintree, Adyen, GoCardless and others) collects the payments and makes the payouts, so the payouts aren't in the data GrowPanel receives. The same goes for Google Sheets, manual entry and the data ingestion API. If your account doesn't have a Stripe connection, the Payouts page explains this instead of showing empty charts, and the Cashflow report and cashflow forecast stay exactly as they are.
FAQ
Why doesn't Paid out match my revenue for the month? A payout holds the money from payments made a few days earlier, minus refunds and fees, plus any platform income and taxes you collected. So a month's payouts include some of the previous month's payments and leave out the last few days of this one. Over a longer period, the two follow each other closely.
Is the next payout exact? No, it's an estimate from your current balance and your payout schedule. Payments, refunds and disputes between now and the payout date change it, and Stripe decides the final amount when it makes the payout.
Why are my card fees under Network costs and Card processing instead of Payment fees? You're on interchange-plus pricing. Stripe charges the card networks' costs and its own processing fee from your balance instead of on each payment. GrowPanel shows each of them as its own fee type, so your effective fee rate is complete either way.
I pay out manually. Does the report still work? Yes. Your payouts show up as they happen, and your fees are counted by the day Stripe charged them, since they aren't tied to a scheduled payout.
Can I filter the Payouts report by plan or country? No. Payouts and the fees Stripe takes from your balance belong to your whole Stripe account, not to a customer, so customer filters don't apply. To see the fee on each payment by plan, country or payment method, pick Fees in the Category filter of the Cashflow report and group by the dimension you want.
