Should I import Stripe charges or Stripe payouts?

Both, into different accounts. Charges and fees belong in a Stripe clearing account; the payout appears as a transfer out of it and into your bank. Importing only payouts loses the fees and the gross revenue.

Why do my Stripe totals differ from my bank deposits?

Because a payout is a batch of charges minus fees, refunds and any holds, settled on Stripe’s own schedule. That is exactly why the fee is split out here: gross minus fee gives you the number that eventually lands in the bank.

What account type should the Stripe balance be?

A bank account. The converter defaults to a checking-style Web Connect file, which is the right shape for a balance-holding account.

Does the converter handle refunds and disputes?

They come through as negative amounts with their own type, which is preserved in the memo. Dispute fees appear as separate rows in the balance history and convert like any other fee.

Is my Stripe export uploaded to a server?

No. It is read and converted in this browser tab; nothing about your customers or amounts is transmitted.

Stripe CSV to QBO

Stripe exports a gross amount and a fee per charge and pays you the net days later; the converter below splits the fee into its own line so your payouts reconcile, and builds the .qbo file in your browser.

Drop a CSV or Excel statement here

.csv, .txt, .xlsx and .xls — or choose a file

Choose file

Your file never leaves your browser.

The Stripe Payments preset is selected for you. Switch the Format dropdown to Auto-detect if you are converting a file from somewhere else.

How to export a CSV from Stripe

Open the Stripe Dashboard and go to Payments, or to Balance and then the balance history — the second is the better source for bookkeeping because it is what makes up each payout.
Screenshot: stripe-export-1
The Stripe Dashboard with the export button above the payments table.
Set the date range. Aligning it to a payout period rather than a calendar month makes reconciliation far easier.
Choose Export, then pick the columns. The default set is fine; make sure Amount, Fee, Net and Created (UTC) are included.
Screenshot: stripe-export-2
The export dialog with the column selection open.
Stripe emails or downloads the CSV depending on its size.
Drop the file into the converter on this page. The Stripe preset is preselected and fee splitting is on.
Check the preview: each charge should show as a gross amount and a separate negative Stripe fee. Then download the .qbo.

Online banking screens change; if a label has moved, look for a download or export control above the transaction list.

Known quirks of the Stripe export

A Stripe export starts with an id column and continues with Type, Source, Amount, Fee, Net, Currency, Created (UTC), Available On (UTC) and Description. The converter reads Created (UTC), Description and Amount, and keeps Type as the memo.
The columns you get depend on the export template you chose, and Description is not always among them. When it is missing the converter falls back to detecting the columns generically and tells you so in a warning rather than failing — but a register full of blank payees is worth re-exporting with the description column included.
Dates arrive as 2026-09-03 14:22 in UTC. The converter reads the date part and drops the time, which means a late-evening charge may sit one day later than your local dashboard shows. It is consistent, so it reconciles; it is just worth knowing at month end.
Each charge becomes two transactions: the gross amount and a negative Stripe fee. That is what makes a payout reconcile, because Stripe transfers the net.
Stripe has no official Intuit bank id, so the file borrows the generic 3000 and the converter warns about it. If QuickBooks refuses the upload, try another id in the account settings.

Import the .qbo file into QuickBooks

Open the upload screen. In QuickBooks Online, go to Transactions, then Bank transactions, and choose Upload from file (on older layouts: Banking, then the arrow next to Update, then File upload).
Pick the .qbo file. Drag the .qbo file the converter produced into the drop area and select Continue.
Choose the QuickBooks account. Select the bank or credit card account the transactions belong to, or add it first. The account type has to match the one used when converting: a card statement belongs to a credit card account.
Let QuickBooks read the file. Web Connect files carry their own column layout, so there is no column-mapping screen — QuickBooks reads the dates, amounts, payees and memos straight from the file.
Review and accept. The transactions land in the For review tab. Categorise or match them there; nothing hits the books until you accept them.

QuickBooks Online accepts up to 1,000 transactions per upload. Larger statements are split automatically into numbered files by the converter. Import errors are covered in the import error guide.

Balance history is the honest source

Stripe gives you several exports and they are not interchangeable. A payments export lists charges; a balance history lists every movement that makes up a payout, including fees, refunds, disputes and adjustments. For bookkeeping, the balance history is the one that adds up — it is, in effect, Stripe’s own bank statement for your account.

Convert that into a Stripe clearing account in QuickBooks, and let the payouts to your bank appear as transfers. The register then mirrors what Stripe holds on your behalf, and the deposit on your real bank statement matches a transfer rather than a mystery lump sum.

Fees are not optional detail

Stripe deducts its fee per charge, so a $100 sale leaves roughly $97 behind. Import the gross only and the balance is wrong; import the net only and both your revenue and your processing expense disappear. Splitting each charge into gross and fee is what makes the arithmetic work — and processing fees are a real deductible expense worth seeing in the profit and loss.

Time zones at month end

Stripe timestamps in UTC. The converter keeps the date and drops the time, which is consistent and reconciles cleanly, but a charge at 8pm Pacific on the last day of the month is dated the first of the next month in the export. If a period boundary matters, compare the first and last rows of the preview against the dashboard before importing.

Frequently asked questions

Should I import Stripe charges or Stripe payouts?: Both, into different accounts. Charges and fees belong in a Stripe clearing account; the payout appears as a transfer out of it and into your bank. Importing only payouts loses the fees and the gross revenue.
Why do my Stripe totals differ from my bank deposits?: Because a payout is a batch of charges minus fees, refunds and any holds, settled on Stripe’s own schedule. That is exactly why the fee is split out here: gross minus fee gives you the number that eventually lands in the bank.
What account type should the Stripe balance be?: A bank account. The converter defaults to a checking-style Web Connect file, which is the right shape for a balance-holding account.
Does the converter handle refunds and disputes?: They come through as negative amounts with their own type, which is preserved in the memo. Dispute fees appear as separate rows in the balance history and convert like any other fee.
Is my Stripe export uploaded to a server?: No. It is read and converted in this browser tab; nothing about your customers or amounts is transmitted.

Other formats: QBO to CSV · QBO to Excel

Last updated September 22, 2026.