Anyone with a web shop or subscriptions knows it: the bank statement shows one amount from Mollie, Stripe or Adyen, and behind it sit dozens of orders, the transaction fees and maybe a chargeback. Splitting and matching that amount is exactly the work that takes an afternoon and teaches you nothing.
Can AI match a PSP payout?
Yes, in steps. An assistant works out which outstanding invoices are in the payout, what the fees are and what does not add up, and with Advanced prepares the bank entry with one line per invoice. After your approval it matches the payments to the invoices, once per customer — just as with ordinary bank statements.
Why a payout is not a payment
A payout is a net amount: the sum of all customer payments in a period, minus the transaction fees, minus any chargebacks or refunds. Your bank statement only shows that one figure. The details are in the payment provider's payout report, and that is the first step.
The approach
- Export the payout report from Mollie, Stripe or Adyen (a CSV or Excel per payout) and add it to the conversation.
- Have the rows matched to outstanding items. The assistant finds the invoice for each payment by customer, amount and order or invoice number.
- Have the fees and differences calculated. What is the total of the customer payments, what was paid out, and where is the difference?
- Have the bank entry prepared (Advanced): one line per invoice with the invoice number in Our reference, and one line for the fees.
- Have it matched after your approval with
financial_entries_match: per customer, the bank line against the invoice.
The tools involved
| What | Tool | Read or write |
|---|---|---|
| Retrieve outstanding items | financial_outstanding_get, cashflow_receivables_search | read |
| Search sales invoices | sales_invoices_search | read |
| View existing bank entries | financial_bank_search, financial_bank_get | read |
| Create a bank entry | financial_bank_create | write |
| Add a line, with Our reference | financial_bank_add_line | write |
| Match the payment to the invoice | financial_entries_match | write |
Prompts that work
- "Here is the Mollie payout of 12 August. Which outstanding invoices are in it, and which payments can you not match to an invoice?"
- "What is the difference between the customer payments and the amount paid out, and does it consist entirely of transaction fees?"
- "Prepare a bank entry in the Mollie journal with one line per invoice and one line for the fees on 4920."
Exact Online without and with an AI connection
| Exact Online without an AI connection | Exact Online with Ledger Botje (MCP) | |
|---|---|---|
| Split a payout | put the provider report next to Exact line by line | in one question, with the exceptions listed separately |
| Determine the fees | calculate yourself | calculated and proposed as an entry line |
| Matching | search and link per line in Exact Online | after your approval, per customer in one step |
Where it goes wrong
- Refunds and chargebacks reduce the payout without an invoice behind them. Have them named separately.
- Payments without an invoice — for example an order that has not been invoiced yet. Those are left over; that short list is valuable.
- Currency — with payments in another currency the amount in the payout is rarely equal to the invoice amount.
- A clearing account — many businesses use a separate journal or clearing account for the payment provider. Say in your question which one you use.
Looking up and calculating works with Basic; preparing the bank entry needs Advanced. All tools are in the tool catalogue.