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Provide and reconcile reports Public preview

Learn how to provide Capital reports to your connected accounts and reconcile Capital transactions in any existing reports.

Use this guide to:

• Provide Capital reports : Provide Capital transactions reports to your connected accounts. They can use these reports to view their outstanding balance, payment history and other data such as their financing agreement. You can provide reports to your connected accounts in multiple ways.
• Reconcile existing reports to include Capital transactions : If you already provide reports to your connected accounts in your platform’s UI, use Stripe APIs to synchronise Capital transaction data in those existing reports.

Financing offers have three types of transactions: a payout, a paydown and a reversal. If you want to provide reports using Stripe APIs, we describe these transactions in more detail below.

Options to provide reports

You can provide Capital reports to your connected accounts in multiple ways, and you can use more than one option:

You can also provide ad-hoc reports.

Before you begin

If you want to provide reports using APIs, review the following types of transactions:

You can fetch transactions using either the Financing Transactions API or the Balance Transactions API.

To get started, choose an API:

Use the Financing Transactions API to include detailed transaction information specific to Capital.

Monitor Capital transactions

The following transaction types are related to financing for your connected accounts, including merchant cash advances and loans:

• Payout: payout
• Paydown: payment
• Reversal: reversal

Payout

Each financing payout has a Financing Transaction object with the type payout. After a payout Financing Transaction is created, Stripe sends a capital.financing_transaction.created webhook. It might take several business days for the ACH funds to arrive in a connected account’s bank account.

Listen to the webhook event and when received, update your custom payout reports to show the financing amount sent to the connected account’s external bank account.

Paydown

To display withholding transactions in your UI:

1. List all financing transactions . Those with a type of payment are repayments.
2. Provide the account ID of the connected account in the Stripe-Account header.

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If the retrieval of the Financing Transactions list is successful, you receive a response similar to the following:

The response contains information describing how this particular paydown affected the outstanding financed amount. If the paydown occurred because of "details.reason": "automatic_withholding", it also contains a reference to the original Stripe payment in the details.transaction field.

Reversal

Each reversal has a Financing Transaction object with the type reversal. A reversal can occur because of a failed ACH transaction, financing cancellation, or a manual reversal request. Providing reversal transactions serve two purposes:

• They can indicate cancelled financing. If you included the original financing payout in your reports, include any reversals. This way connected accounts can see that both transactions cancel each other out.
• They can return previously withheld funds to a connected account’s balance. Omitting reversals from your reports can cause reconciliation problems for connected accounts, because the reports might reflect inaccurate financing.

Destination Charges

If your platform processes payments using Destination Charges and you want to reconcile the Financing Transaction paydown with the original charge which occurred on your platform, extract the charge ID in the Financing Transaction ’s details.transaction field. This is set to the payment ID which occurred as a result of the automatic Transfer to the connected account:

{
 "id": "cptxn_1NBJQR2eZvKYlo2CBUy2GQ1S",
 "object": "capital.financing_transaction",
 "details": {
 "reason": "automatic_withholding",
 "transaction": {
 "charge": "py_1NBJI62c99H72o8MUEN0fIZx"
 },
 ...
 },
 "type": "payment",
 ...
}

You can then use the Retrieve Charge API to get the charge object:

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{
 "id": "py_1NBJI62c99H72o8MUEN0fIZx",
 "object": "charge",
 "source_transfer": "tr_3NBJGW2eZvKYlo2C1jQOxNwF",
 ...
}

Because this is a Destination Charge, the source_transfer is populated with the Transfer ID. Use the Retrieve Transfer API to get the Transfer object:

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{
 "id": "tr_3NBJGW2eZvKYlo2C1jQOxNwF",
 "object": "transfer",
 "source_transaction": "ch_3NBJGW2eZvKYlo2C17oDFajw",
 ...
}

The source_transaction field contains the ID of the Charge which occurred on your platform, triggering a Transfer to the connected account.

Provide reports

You can display paydowns in any list of financing transactions or equivalent models you have in your platform’s UI. For example:

• Existing reports : For existing reports that show a connected account’s individual transactions (including the application fee or interchange costs), consider adding a withholding amount to the report.
• New reports : For new reports, show all withholding amounts for a specific time period. This helps your connected accounts see how much of their sales processing is being applied toward their financing. For payout reports, you might want to include a sum total amount withheld. This is so connected accounts can reconcile their total incoming sales processing, minus the withholding (and any application fees you charge), to arrive at the payout amount they expect to see in their external bank account.

Provide ad-hoc reports

Testing

You can use a sandbox to create financing offers in various states for connected accounts.

To create test scenarios:

1. Create a sandbox in your test environment.
2. Generate test offers through the Capital Dashboard.
3. Update offers as delivered and simulate acceptance.
4. Test automatic payouts by approving and disbursing funds.
5. Test a payout or paydown. You can’t test a reversal because they’re initiated only by Stripe in specific circumstances.

• Payouts:

1. Verify automatic payouts occur after offer acceptance.
2. Monitor capital. financing _ transaction. created webhooks.
3. Confirm payout transactions appear in your reporting.

• Paydowns:

1. Test automatic withholding by processing test payments.
2. Simulate manual paydowns through the Capital Dashboard.
3. Verify paydown transactions appear in your reporting integration.
4. Confirm transaction details appear correctly in your reporting interface.
5. Verify webhook handling for transaction notifications.
6. Test account links or embedded components (if implemented).
7. Validate transaction reconciliation processes.

After testing, manually send a live offer to verify your reporting before you enable automatic offers for all eligible connected accounts. To learn more, see Testing.

See also

• How Capital for platforms works
• Set up capital