One-Click Xero Bank Match
Incoming Stripe bank feed transfers match the exact net batch total generated by Equali, giving your finance team instant green 'OK' reconciliation.
Automated payment reconciliation from Stripe to Xero
Stop manually unbundling Stripe payout deposits. Equali matches gross charges, gateway transaction fees, refunds, and rolling reserves directly to your Xero general ledger.
Penny-perfect Stripe bookkeeping for finance teams using Xero
Transform lump-sum Stripe bank deposits into perfectly balanced accounting transactions with complete line-item visibility.
Discrete Gateway Fee Allocation
Decompose merchant processing costs and dispute fees into your dedicated Payment Processing nominal code in Xero.
AUDIT ENTRY#10432
Posted · Verified
Gross Sale£49.99
VAT (20%, incl.)£8.33
Processing fee (2.9%)−£1.45
Net Payout SettledMatched to bank MT940
£48.54Audit Ref: AUD-2026-9921Posted to Xero · 14 Jun
Stripe Billing & Subscription Sync
Accurately sync recurring invoice settlements, unearned revenue liabilities, and MRR cash collections.
Cross-Border FX & Multi-Currency
Isolate foreign currency conversion surcharges and realize currency gains and losses automatically.
Dispute & Chargeback Tracking
Record customer disputes, held reserves, and dispute reversal credits directly to liability holding accounts.
Idempotent Sync Engine
Never duplicate payout journals, even during Stripe payout schedule shifts or bank holiday delays.
AUDIT TRAIL#TX-94021
100% 3-Way Matched
01
Shopify Order#10432
12 Jun · Online Checkout£49.99Gross Sale
02
Stripe Gatewaych_3N84x
Fee deducted: −£1.45 (2.9%)£48.54Net Captured
03
Barclays SettlementMT940
Payout po_941 · 14 Jun£48.54Settled In Bank
Variance: £0.00 (Zero Break)Ledger: Xero JE-8892
Deconstruct Stripe payout batches straight to your Xero chart of accounts
Audit-proof transaction tracking from checkout charge to balance sheet. Equali retrieves each payout batch via the Stripe Events API, splits gross charges, merchant interchange, processing fees, and chargeback reserves, and creates itemized journal vouchers ready for confirmation in Xero.
Connect Stripe to Xero in three simple steps
Set up in minutes without developer resources or complex webhook configurations.
Grant secure read access via Stripe Connect OAuth and authenticate your Xero organisation.
Map your Stripe clearing bank account, processing fees account, dispute liability, and revenue nominals.
Every incoming payout triggers automated balanced ledger entries matching your bank statements to the penny.
MonthlyAnnual Save ~17%
Lite
$23/mo$19/mo
+ VAT/sales tax where applicable
Not available at this volume
1 month of history on setup
- 1 sales or payment integration
- 2 click journal entry posting
- Settlement reconciliations
- Dashboard & standard reports
- Payment Search
- Tax Items
Pro
$47/mo$39/mo
+ VAT/sales tax where applicable
Not available at this volume
6 months of history on setup
- Everything in Lite
- Up to 3 sales or payment integrations
- Slack support
- Daily, weekly or monthly scheduled reports
- Multi-Store Support
Premium
$119/mo$99/mo
+ VAT/sales tax where applicable
Not available at this volume
12 months of history on setup
- Everything in Pro
- Unlimited sales or payment integrations
- Custom reporting
- Ad-hoc Reports
- File Upload
$Custom
+ VAT/sales tax where applicable
Scalable enterprise solutions for more complex requirements
- Everything in Premium
- Unlimited stores
- Unlimited payment providers
- Unlimited sales channels
- Unlimited integrations
- Custom API access integrations
- Priority phone & Slack support
- Custom onboarding & training
Compare all features
| Feature | LiteStart trial | ProStart trial | PremiumStart trial | EnterpriseBook a demo |
|---|---|---|---|---|
| Sales & Payment IntegrationsIncludes eCommerce platforms (e.g. Shopify, Amazon) and payment providers (e.g. Stripe). May require additional setup. | 1 | 3 | Unlimited | Unlimited |
| Accounting IntegrationsIncludes accounting systems (e.g. Xero). May require additional setup. | ||||
| ERP IntegrationsIncludes ERP platforms (e.g. NetSuite). May require additional setup. | Enterprise Only | Enterprise Only | Enterprise Only | |
| Data Update FrequencyHow frequently payment and order data is refreshed via API (where available). | Every 15 minutes | Every 15 minutes | Every 15 minutes | Every 15 minutes |
| Historical Data (On Setup)Amount of past payment/order data processed during initial setup (via API where possible). | 1 month | 6 months | 12 months | 12 months |
| Upload FilesUpload and map CSV, XLS, XLSX or TXT files directly in the Equali dashboard. | - | - | ||
| Multi-Currency SupportReconcile and report on transactions in multiple currencies. | ||||
| Multi-Entity SupportManage and reconcile data across multiple legal entities, subsidiaries or stores in one account. | - | |||
| Custom IntegrationsBespoke API connectors or custom development for proprietary or unique systems. | Enterprise Only | Enterprise Only | Enterprise Only | |
| Custom WorkflowsBespoke workflow setup for your specific use case. | Enterprise Only | Enterprise Only | Enterprise Only | |
| Categorisation & Tagging For Journal EntriesRevenue sub-ledger with categorised breakdowns for posting to specific journals (revenue, fees, etc). | ||||
| Journal Entry PostingDirectly post categorised journal entries to your linked accounting system. | ||||
| Link Journal Entries To Orders/PaymentsTrace and link posted journal entries back to the original order or payment record. | ||||
| Settlement ReconciliationReconciles settlements vs individual payments and related entries. | ||||
| Payment ReconciliationMatches payments from providers with orders from eCommerce platforms, including refunds and chargebacks. | - | - | ||
| Payment SearchSearch for any payment or order using several data points directly from the dashboard. | ||||
| Advanced Reconciliation ToolsBrowse reconciliation results, review reports, resolve breaks and understand why they occurred. | - | - | ||
| Custom Reconciliation RulesCustomisable reconciliation rules, including rule suppression, tolerance thresholds and more. | Enterprise Only | Enterprise Only | Enterprise Only | |
| Cross-Platform ReconciliationsReconciliations across platforms e.g. Shopify store orders reconciled with Stripe payments. | Enterprise Only | Enterprise Only | Enterprise Only | |
| Reconciliation Approval WorkflowA second approver reviews and authorises reconciliation changes before they take effect. | - | - | - | |
| CASS ReconciliationsSpecialised reconciliation workflows for CASS 15 safeguarding reconciliation and reporting. | Enterprise Only | Enterprise Only | Enterprise Only | |
| Split Settlements At Month-EndSplit a settlement that spans a month end so each period's figures are accurate. | - | |||
| Customisable Analytics DashboardCustomisable analytics dashboard with advanced filtering, KPIs and reconciliation breakdown. | ||||
| ReportingStandard and customisable scheduled and on demand reporting. | Standard | Standard | Custom | Custom |
| Scheduled ReportsAutomated reports delivered on a chosen cadence (daily, weekly or monthly) via the dashboard. | Monthly | Daily, Weekly or Monthly | Daily, Weekly or Monthly | Daily, Weekly or Monthly |
| Ad-hoc ReportsGenerate custom reports on demand without waiting for a scheduled run. | - | - | ||
| Flexible Custom FieldsAdd customisable metadata fields to reporting data for better filtering and reporting. | Enterprise Only | Enterprise Only | Enterprise Only | |
| Manual Financial EntriesAdd one-off financial entries directly, outside the automated feed, for cases the connectors don't cover. | - | - | ||
| Tax ItemsMapping and categorisation of tax rates and items from sales channels and payments, for accurate tax reporting and journals. | ||||
| Transaction ViewBreakdown of each transaction, showing all financial entries associated with the order, including sales, refunds, fees and tax. | ||||
| CASS DashboardDedicated view and analytics for CASS reconciliation. | Enterprise Only | Enterprise Only | Enterprise Only | |
| Help and supportAvailable support channels and documentation. | Help centre & support chat | Help centre, support chat & Slack | Help centre, support chat, Slack & phone | Help centre, support chat, Slack & priority phone |
| Accountant AccessDedicated read-only or restricted logins for accountants and external advisors. | ||||
Ready to get started?14-day free trial on self-serve plans | PremiumStart 14-day trial | EnterpriseBook a demo | ||
Trusted by merchants & FinTechs
Customer Story"Thanks to Equali, we are able to control in detail the end-to-end flow of all transactions processed, giving us greater visibility and enabling us to detect any potential leaks or anomalies along the way."
Wouter van HaaftenCFO, Sunday
Related reading & guides
Explore technical guides and architectures for automated reconciliation and accounting.
Accounting6 min read
What is journal entry automation?
Journal entry automation creates the categorised accounting entries for your sales, fees, refunds and payouts without anyone typing them, and reconciles them back to the orders and settlements they came from.
Martin Burn · 22 July 2026Strategy6 min read
Build vs buy: automated reconciliations
Should you build automated reconciliations in-house or buy an off-the-shelf specialist product? The factors to weigh, from opportunity cost and complexity to maintenance.
Martin Burn · 23 July 2026Frequently asked questions about Stripe to Xero reconciliation
How does Equali reconcile Stripe payouts with the Xero bank feed?
Equali connects directly to Stripe's payout reporting API, retrieves the gross transactions and fees for each payout ID, and posts matching balanced invoices or journals into Xero so the bank deposit matches with zero variance.
How are Stripe processing fees and chargebacks handled in Xero?
Equali posts processing fees as explicit expenses to your nominal ledger, while disputes and chargeback clawbacks map to a dispute liability account until resolved.
Does this integration handle Stripe multi-currency payouts?
Equali records original charge currencies, realised exchange rates, and bank conversion margins to ensure foreign exchange gain and loss accounts remain exact.
Can I reconcile multiple Stripe accounts into a single Xero organisation?
Equali supports multi-tenant and multi-account Stripe configurations, mapping distinct Stripe storefronts to unique Xero tracking categories.
How does Equali record Stripe Billing recurring subscription invoices in Xero?
Equali records recurring subscription customer invoices, deferred revenue, and credit note deductions directly in your Xero sales ledger.
How are Stripe Connect application fees and connected vendor transfers accounted for in Xero?
Equali segregates marketplace platform commission revenues from vendor payout balances, ensuring your Xero accounts reflect accurate merchant liabilities.
How does Equali account for Stripe rolling balance reserves and deferred payouts in Xero?
Equali tracks rolling reserve balances held by Stripe in a dedicated clearing asset account, balancing each settlement batch without timing discrepancies.
Stop chasing reconciliations in spreadsheets
Connect your channels and providers, and let Equali reconcile, categorise and post every transaction. Start free, or see it on your own data.