FeeGuard

Connect Fee Recovery Engine

Stop Losing 1–3% of Every Stripe Connect Refund to Silent Fee Leaks

FeeGuard automatically detects un-reversed transfers, missing application-fee refunds, uncovered dispute losses, and FX slippage across your entire connected-account fleet — then gives you one-click clawbacks. Built for platforms processing $1M+ in Connect volume.

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Read-only Stripe key · No impact on your payment flow · Detection is free, you pay only a share of what is recovered

Detection is free

Unlimited monitoring and a 90-day historical audit at no cost. You pay a share only of what is actually recovered.

Read-only Stripe key

Zero impact on payment flow. Write scopes are optional and only used for clawbacks you approve.

SOC2-ready audit trail

Every detection, resolution, and clawback recorded append-only with actor and timestamp.

Any Connect platform

Marketplaces, SaaS billing, creator platforms — destination charges and separate charges & transfers.

What the leak looks like on your volume

Published figures put refund leakage on Connect platforms at roughly 0.8–2.4% of refunded volume. Here is that range applied to a mid-size platform.

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
Recoverable range
$8,880 – $13,680

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

Built for platforms that take security review seriously

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 you money

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

Un-reversed transfers

charge.refunded

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.

Unadjusted application fees

application_fee.refunded

The refund goes through without refund_application_fee, so your platform fee stays attached to revenue that no longer exists.

Uncovered dispute losses

charge.dispute.closed

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.

FX slippage

balance.available

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.

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 missing application-fee refund and transfer clawback 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 the number at step 6 is bigger than zero, you have a leak — and you did not need us to prove it.

  1. 1

    Export all charge.refunded events for the last 90 days.

  2. 2

    For each charge that has a transfer, retrieve the transfer and sum reversals.

  3. 3

    Calculate expected reversal = (amount_refunded / amount) × transfer.amount. Flag if actual < expected.

  4. 4

    For every application_fee on those charges, confirm amount_refunded is proportional.

  5. 5

    Pull all charge.dispute.closed with status=lost; verify transfer reversal + fee refund occurred.

  6. 6

    Sum missing amounts. That number is your recoverable baseline.

  7. 7

    (Optional) Connect FeeGuard for automated monitoring going forward.

Not an accounting sync. A recovery engine.

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.

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