· Feature

Payout splitting & reconciliation

A2X can't automatically reconcile Shopify Payments and Stripe Terminal separately. Rappel does — using clearing accounts, exact API fees, and bank-verified matching.

The problem

Two payment processors, two separate payouts

When you run Shopify Payments for online sales and Stripe Terminal at your physical POS, Shopify sends you two separate payout deposits. Each one has different fees, different transaction mixtures, and different timing.

Most reconciliation tools treat both as the same thing, or require you to handle each processor in a separate account. This creates errors, manual spreadsheet work, and unexplained differences at month-end.

What A2X tells you:

“For dual-processor stores, manual configuration is required. Contact support.”

01

Shopify Payments payout

Rappel identifies the payout as originating from Shopify Payments and matches it to the Clearing Account — Shopify Payments. Every order in the payout period is reconciled.

02

Stripe Terminal payout

Simultaneously, Stripe Terminal sends a separate payout. Rappel uses Stripe's balance_transaction API to extract exact fees and match each in-store transaction.

03

Both clear against the bank

Both clearing accounts zero against the same bank account. Your bank reconciliation shows one combined balance — not two unexplained mystery deposits.

✓ Rappel handles all of this automatically

Who it's for

Built for every multi-processor scenario

Most common

Online + POS stores

Running Shopify Payments for your online store and Stripe Terminal at your physical POS? Two separate payout streams. Rappel reconciles both automatically against a single bank account.

Franchise networks

Shopify processes payments centrally, then splits them to individual franchisee bank accounts. Rappel allocates each payout to the right franchisee entity — automatically, based on location rules you define.

Multi-location brands

One Shopify store, multiple physical locations, each with their own bank account and P&L. Rappel routes revenue to the right clearing account per location.

BNPL + Stripe mixed

Klarna, Afterpay, or Adyen alongside Stripe? Each processor sends separate payouts. Rappel tracks every processor in one reconciliation view.

How clearing accounts work

A clearing account is a temporary GL account that bridges the timing gap between when revenue is earned and when cash arrives. Rappel creates one per processor automatically.

1

When an order is fulfilled

DR: Accounts Receivable → CR: Sales Revenue + Tax Payable

Revenue is recognised at fulfilment, not at payout.

2

When Shopify sends a payout

DR: Clearing Account (Shopify) → CR: Accounts Receivable

The AR balance is cleared. The clearing account holds the expected deposit amount.

3

When Stripe Terminal sends a payout

DR: Clearing Account (Stripe Terminal) → CR: Accounts Receivable

Same pattern, separate clearing account. Both can zero independently.

4

When bank deposits arrive

DR: Bank Account → CR: Clearing Account

Both clearing accounts zero. Reconciliation is complete. Discrepancies surface automatically.

What's included

Automatic clearing account setup for each processor
Confidence scoring per reconciliation match
Manual override for complex edge cases
Discrepancy alerts when payouts don't balance
Audit trail — every match is logged with source data
Export reconciliation report as PDF or CSV

Ready to stop reconciling manually?

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