Stripe Connect recovery engine

Find the money your Stripe Connect refunds leave behind.

Stripe does not reverse the transfer unless you ask it to. FeeGuard reads a Stripe Connect export you paste — no credentials, read-only, 90 days back for free — and shows every dollar a refund left behind.

Run free audit View sample dashboard

Read-onlyNo credentials90 days free

90-day lookback. Detection stays free.

What happens to what you paste

Your paste is parsed for this one result and not kept. Nothing is sent to Stripe, no key is asked for, and the page holds nothing after the result is shown.

Reconciliation ledger — sample audit

38 charges · seed public-sample

Modelled data from the sample audit, not a customer result. The refund came out of the platform balance while the connected account kept its payout. Reversing the transfer brings that money back.
id	type	description	amount	fee	status
ch_8XQ6Wdj1…7x2V	charge	Connect charge	$796.85	$79.69	settled
re_Jrx56La0…zMg1	refund	Connect charge	−$796.85	−$79.69	refunded
tr_9NJzEAaZ…31GO	transfer	Payout to connected account	−$717.16	—	reversed
ch_kv7rRey8…vk4i	charge	Connect charge	$788.37	$78.84	settled
re_hccFM7TA…NFTu	refund	Connect charge	−$788.37	—	refunded
tr_YA1P7Kwg…Xk33	transfer	Transfer never reversed	−$709.53	—	not reversed
reversal → tr_YA1P7Kwg…Xk33	reversal	Transfer never reversed	+$709.53	—	recovered

How FeeGuard works

From silent event to recoverable cash.

Each finding connects the Stripe event, the missing action, and the amount still within reach.

Detect the gap

Monitor refunds, disputes, transfers, fees, and payouts across every connected account.

Explain the cause

See the exact event and missing Stripe parameter behind each unreconciled amount.

Recover with control

Review the evidence, approve the action, and keep an append-only record of the outcome.

Detection is free. Here is what each step needs.

Free audit: A Stripe export you paste. No key, and nothing is kept. It checks what you paste, once, 90 days back.
Monitor, from $49/mo: A restricted Stripe key with read permissions only, and a webhook endpoint. New events are checked as they arrive.
Clawbacks: Two optional write permissions: reversing a transfer and refunding an application fee. Without them, each finding shows the exact Stripe call to run yourself. A recovery fee applies only to recovered dollars. See full pricing

See the leak in dollars, not percentages

Apply a published 0.8–2.4% leakage range to a mid-size platform, then add one unreversed dispute. The result is a model you can check against your own numbers.

Modelled example — not a customer result

Annual Connect volume: $5,000,000
Refund rate: 6%
Refunded volume: $300,000
Leakage at 0.8% of refunded volume: $2,400
Leakage at 2.4% of refunded volume: $7,200
Plus one lost $600 dispute per month, unreversed: $6,480/yr
Total at stake: $8,880 – $13,680

Refund-leak calculator

Illustration values below, not a customer's numbers — replace them with your own.

Monthly Connect volume (USD)

Refund rate (%)

Refunds sent without reverse_transfer (%)

Average application fee (% of the charge)

Platform money lost to unreversed transfers, per year

$14,040

Stripe leaves the transfer with the connected account unless the refund sets reverse_transfer, so you pay the buyer back while the seller keeps the payout. Reversing the transfer brings it back.

Find your real number — free audit

Also on your books: $7,200 a year in application fees kept on refunded payments, if none of them set refund_application_fee. That is money your connected accounts may be owed, not a loss — the free audit lists it too, alongside dispute fees never recovered.

Run the same arithmetic on your own numbers with the free seven-step check. No signup required.

Signals your security review can inspect

Read-only

Default Stripe scopes

AES-256-GCM

Per-tenant key encryption

Append-only

Audit trail on every action

Zero

Impact on your payment flow

Four ways Connect quietly costs money

None of these throw an error. None of them show up in your logs. Every one of them shows up in your books.

Transfer never reversed

You refund a destination charge without reverse_transfer. Stripe refunds the buyer from your balance. The connected account keeps every cent of the original transfer.

detector unreversed_transfer · on charge.refunded

Refund sent, fee kept

The refund goes through without refund_application_fee, so your platform fee stays attached to revenue that no longer exists — money the connected account may be owed. Find it before your sellers do.

detector unadjusted_application_fee · on application_fee.refunded

Dispute fee never recovered

A buyer wins a dispute. Stripe debits you for the full amount plus the dispute fee. The connected account that received the funds is untouched.

detector uncovered_dispute_loss · on charge.dispute.closed

FX rate gap at settlement

You settle in USD and pay out in EUR. Each conversion carries a spread. Across thousands of cross-border payouts it compounds into a number worth caring about.

detector fx_slippage · on balance.available

Built for the people who find this at month-end

Marketplace CTO

Your charge.refunded webhooks are firing. Your connected accounts still have the money. FeeGuard catches every unreversed transfer in real time.

Fintech CFO / Finance Lead

Stop discovering six-figure Connect fee leaks at month-end close. FeeGuard surfaces every unreversed transfer and every fee kept on a refunded payment before the books close.

Bootstrapped Founder

You already paid the customer back. Why is your connected account still holding the funds? FeeGuard auto-detects and queues the clawback.

Free lead magnet

Manual Stripe Connect reconciliation checklist

Run this yourself. If step 6 shows any amount, you've found the leak — and you did not need us to prove it.

1Export all charge.refunded events for the last 90 days.
2For each charge that has a transfer, retrieve the transfer and sum reversals.
3Calculate expected reversal = (amount_refunded / amount) × transfer.amount. Flag if actual < expected.
4For every application_fee on those charges, confirm amount_refunded is proportional.
5Pull all charge.dispute.closed with status=lost; verify transfer reversal + fee refund occurred.
6Sum missing amounts. That number is your recoverable baseline.If this shows any amount, you've found the leak — run the free audit to see each one.
7(Optional) Connect FeeGuard for automated monitoring going forward.

0 of 7 steps ticked. Saved in your browser; nothing is sent anywhere.

Before you paste

Do I need to share my Stripe API keys?: No. You paste an export; nothing is sent to Stripe on your behalf, and the page keeps nothing after the result.
Is the free audit missing anything the paid plan finds?: No. The free audit runs the same four detectors. Monitor adds continuous checking of new events and the recovery workflow, not extra detectors.

Find your baseline before month-end.

General-purpose reconciliation tools surface historical journal mismatches after the fact. FeeGuard operates in real time on the exact Stripe events and flags that cause the cash leakage — and then helps you take the money back.

Run free audit