Connecting Stripe for invoice tracking

If you invoice through Stripe — whether that's manual invoices, hosted payment links, or subscriptions — connecting it once eliminates the most common reconciliation headache people have with ReservWise: the gap between what you billed and what actually showed up in your account after fees.

This walkthrough covers how the Stripe sync works, what we pull, what we don't, and how to read the reconciled view once it's running.

Why connect Stripe at all

You can run ReservWise on bank-data alone via Plaid. It works. But Plaid only sees the deposits — the rolled-up payouts Stripe sends to your bank every couple of days. That payout might be \$4,217.36, and Plaid will dutifully record \$4,217.36 of income.

What it can't tell you: that's actually \$4,500 in invoices, minus \$132 in Stripe processing fees, minus a \$150 refund you issued, minus a \$0.64 currency conversion. If your tax reserve is calculated on gross income, that distinction matters. Connecting Stripe gives ReservWise the line-item view.

Connect Stripe in two minutes

1. Open Settings → Integrations → Stripe inside ReservWise.
2. Click Connect Stripe account. You'll be redirected to Stripe's authorization page.
3. If you're already logged in, pick the account you want to connect. If you have multiple Stripe accounts, you'll see them listed — pick the one matching the business entity you set up in ReservWise.
4. Review the requested permissions and click Authorize.
5. Stripe redirects you back to ReservWise. The first sync runs immediately and pulls the last 90 days of activity. You'll see a status indicator turn green when it's done — usually under 30 seconds.

What we read, what we don't

The OAuth scope is read-only. ReservWise can pull:

• Invoices — created, paid, voided, refunded, with line items and tax breakdown.
• Charges and payment intents — amount, fee, net, currency, status.
• Payouts — amount, arrival date, the list of charges that rolled into each payout.
• Refunds and disputes — to net them against income correctly.
• Customer metadata — name and email only, used to label income on your dashboard.

What we never request:

• Your Stripe secret API keys.
• Permission to create, modify, or refund charges.
• Card numbers or full bank account details (Stripe doesn't expose them anyway).

You can revoke access from your Stripe dashboard at any time — Settings → Connected Apps in Stripe — and ReservWise will stop syncing immediately.

How fees and payouts get reconciled

Once Stripe is connected, every payout that lands in your bank gets matched against the underlying charges. On your dashboard, you'll see two numbers per payout instead of one:

• Gross — what you actually invoiced. This is what feeds your tax-reserve calculation.
• Net — what hit your bank after Stripe fees, refunds, and disputes. This is what feeds your reserve allocation.

That distinction is the whole point. Tax reserve buckets fill against gross (because that's what the IRS wants their cut of). Operating reserves fill against net (because that's the money you actually have to allocate).

Multiple Stripe accounts

If you operate more than one business through separate Stripe accounts — say an LLC for consulting and a sole prop for digital products — you can connect each one separately. ReservWise treats them as distinct income streams and you can route each to a different reserve allocation.

Pro and Business plans support multiple Stripe connections. The Free plan supports one.

If something looks off

• Income looks doubled. Usually means a Plaid deposit didn't match its Stripe payout — most often because the descriptor doesn't match. Open Settings → Integrations → Stripe → Reconciliation and manually link the two. ReservWise remembers the rule for next time.
• An invoice didn't import. Check that it's marked paid in Stripe. Drafts and open invoices don't count as income until payment lands.
• Tax reserve looks high. ReservWise computes against gross by default. If you want it computed against net, switch the toggle in Settings → Tax → Calculation basis. Talk to your accountant about the right call for your situation.

What to do next

• If you're backfilling history, follow Importing your last 90 days of income — covers the cases Stripe sync misses (cash, Venmo, Zelle, wire).
• Then read Picking your allocation order to decide where this freshly-reconciled income should flow.
• If anything looks weird after the first sync, email a human. Stripe edge cases are our specialty.

Connect Stripe once and the gross-vs-net question stops being something you mentally adjust for. ReservWise just shows you both numbers, in the right places, automatically.