Your Payouts report helps you reconcile the deposits landing in your shop's bank account — it lists every transfer your payment processor (Stripe or Finix) has sent from your account to your bank, so you can match each line on your bank statement to what Shopmonkey recorded. At the top of the report you see three quick summary tiles — In Transit (money leaving the processor but not yet in your bank), Remaining Balance (what your processor is currently holding), and Eligible for Instant Payout (the portion you can cash out right now for a fee). Below those is the table of individual payouts with Initiated Date, Estimated Arrival Date, Location, Method, Total, and Status, plus a button to pay yourself out instantly if your account qualifies.
Filters
| Filter | Default | What it does |
|---|---|---|
| Arrival | Last Month | Filters the table by when each payout is expected to hit your bank account, not when the underlying payments were taken and not when the payout was started. So a payout that started April 30 and lands May 2 will show up when you filter for May, not April. |
| Locations (HQ view only) | All locations you have access to | Narrows the table to specific shop locations. If you don't check any boxes, it behaves as "all your locations" — there is no way to view zero locations. |
| Countries (HQ view only) | Your current shop's country | Only appears if you have locations in more than one country. It filters which locations show up in the Locations picker — it does not filter the table directly. |
Understanding Each Number
What are Payouts?
Payouts are the accumulation of your transactions using Shopmonkey Payments. Payouts are usually sent to your bank account on a 2-business day rolling schedule. Check out Shopmonkey Payments: Payouts to learn more.
| Card or Column | What it means | What it doesn't include | When it's useful | Notes |
|---|---|---|---|---|
| In Transit | The total amount of payouts that have already left your processor and are on their way to your bank but haven't landed yet. The tile also shows the expected arrival date of the next one. | Payouts that are still being accumulated (those are in Remaining Balance). Failed or canceled payouts. | When you want to know "what's coming into my bank in the next day or two." | Shows $0.00 and "No current in-transit payout" when nothing is in flight. Only visible in the shop view — HQ users don't see this tile. |
| Remaining Balance | The money your processor is currently holding for you that hasn't been paid out yet. Pulled live from Stripe or Finix each time you open the report. | Money that has already been sent to your bank (that shows under In Transit or past payouts). Cash, checks, and customer credits never pass through the processor and are not part of this number. | When you want to know "how much is the processor holding for me right now?" | Not affected by your Arrival or Locations filter — this is always the current live balance. Only visible in the shop view. |
| Eligible for Instant Payout | The portion of your balance you can cash out right now via an instant payout. Stripe only. | Everything except the instant-available portion from Stripe. Finix does not offer instant payouts, so this is always $0.00 for Finix shops. | When you want to move money to your bank same-day instead of waiting for the standard payout schedule. | Instant payouts charge 1.5% with a $10 minimum, deducted before the money lands in your bank. The button only appears if your account is eligible and your user has Settings access. |
| Initiated Date | The date the payout was kicked off on the processor side. | — | Useful when matching against your processor's payout history. | — |
| Estimated Arrival Date | The date your processor expects the money to arrive in your bank account. | — | Useful when planning cash flow. | This is an estimate — if the processor delays a transfer, the date shown will update to reflect the new expected arrival. |
| Total | The amount actually being deposited into your bank for that payout. This is already after processor fees and any instant-payout fees have been subtracted — it is what will show up on your bank statement, not the gross total of the underlying payments. | Processor fees (they've already been deducted). Cash, checks, or customer credit payments (those never pass through Stripe or Finix). | When reconciling a specific deposit line on your bank statement. | The "Total" at the bottom of the table only adds up the rows on the current page. To get a full total for the whole filter range, export to Excel. |
| Status | Where the payout is in its journey: Paid (arrived in your bank), Pending (being assembled by the processor), In Transit (en route), Canceled, or Failed. | — | Useful for spotting problems — a Failed or Canceled payout means money did not actually move. | There is no filter for status, so every payout in your date range appears regardless of status. Failed and Canceled rows still count toward the page total, even though they didn't actually deposit. |
| Method | Either Standard (automatic, on your regular payout schedule) or Instant (triggered manually using the "Pay Out Instantly" button). | — | Useful for tracking which payouts cost you an instant-payout fee. | — |
| Initiated By | The name of the user who triggered the payout manually. | — | Only meaningful for instant payouts. | Blank for automatic scheduled payouts — that's expected, since no one kicked them off manually. |
Common Questions
Q: Why doesn't the Payouts total match the All Payments total for the same date range? A: They answer different questions, and they use different dates. The All Payments report filters by when a payment was taken at your shop. The Payouts report filters by when the money actually lands in your bank account — which can be days later. A credit card payment you took on April 28 might land in a payout that arrives May 2; it shows in April on All Payments but in May on Payouts. On top of that, Payouts shows the net amount (after your processor takes its fees), while All Payments shows the gross amount. And cash, check, and customer credit payments never go through your processor at all, so they appear in All Payments but never in Payouts.
Q: Why is the bottom-of-table Total different from what I'd expect? A: The Total shown at the bottom of the table adds up only the rows visible on the current page — not every payout in your date range. If you're paginating through multiple pages, that number will change as you move between pages. For the full-date-range total, click Export and use the Excel file.
Q: Why does a payout I can see in my Stripe dashboard not appear here? A: Check the Arrival filter. This report filters by the expected arrival date of each payout. If the payout in question is expected to arrive outside the date range you've selected, it won't appear. Also, Shopmonkey only shows payouts for shops whose payment processor is Stripe or Finix — if your shop is set up on another processor, this report will show "not found."
Q: The Remaining Balance doesn't match what Stripe shows me. Why? A: Both numbers come from the same Stripe data, but they're fetched at slightly different times. A difference of a few seconds' worth of activity is normal. If you refresh both side-by-side, they should line up. A difference of more than a minute usually means your processor is experiencing brief API lag — not a problem on Shopmonkey's side.
Q: Why is a Failed or Canceled payout adding to my total? A: The report doesn't have a status filter — every payout in your date range is listed regardless of whether it actually deposited. The table's page total sums every visible row, even Failed or Canceled ones. If you want a "money that actually landed" total, filter to just Paid rows visually before adding them up, or use the Excel export.
Tips for Getting the Most Out of This Report
- Match deposits to bank lines one at a time. When you see a deposit on your bank statement, find the Payouts row with the same Total and an Estimated Arrival Date near that deposit date. That's your reconciliation.
- Use Excel export for real period totals. The on-screen Total at the bottom of the table only covers the current page. If you're reconciling a whole month or quarter, export and let Excel do the sum.
- Plan cash flow with In Transit. The In Transit tile tells you what's coming in the next day or two. Use it as a short-term view of incoming deposits before they arrive.
- Know your fees. Every Total is already net of processor fees, so the sum of your payouts will always be less than the sum of the payments your shop took. The gap is what your processor charged you — compare against All Payments to see the fee footprint.
Still have questions? Feel free to reach out to us through the chat icon. Thanks for reading!
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