Stripe Connect recovery engine
Find the money your Stripe Connect refunds leave behind.
Stripe does not refund the application fee unless you ask it to. FeeGuard reads a Stripe Connect export you paste — no credentials, read-only, 90 days back for free — and shows every fee a refund left behind.
What happens to what you paste
Your paste is parsed for this one result and not kept. Nothing is sent to Stripe, no key is asked for, and the page holds nothing after the result is shown.
Reconciliation ledger — sample audit
| id | type | description | amount | fee | status |
|---|---|---|---|---|---|
| ch_8XQ6Wdj1…7x2V | charge | Connect charge | $796.85 | $79.69 | settled |
| re_Jrx56La0…zMg1 | refund | Connect charge | −$796.85 | −$79.69 | refunded |
| ch_rnvlx6lX…tu3p | charge | Connect charge | $653.25 | $65.33 | settled |
| re_U9ftGj7z…V0mW | refund | Connect charge | −$522.60 | — | refunded |
| fee_B6nmfOL…Q8tf | app fee | Refund sent, fee kept | — | $65.33 | leaked |
| recovered → fee_B6nmfOL…Q8tf | recovered | Refund sent, fee kept | — | $65.33 | recovered |
How FeeGuard works
From silent event to recoverable cash.
Each finding connects the Stripe event, the missing action, and the amount still within reach.
Detect the gap
Monitor refunds, disputes, transfers, fees, and payouts across every connected account.
Explain the cause
See the exact event and missing Stripe parameter behind each unreconciled amount.
Recover with control
Review the evidence, approve the action, and keep an append-only record of the outcome.
Detection is free.
The 90-day historical audit stays free too.
Continuous monitoring starts at $49/mo, plus a recovery fee only on recovered dollars. See full pricing
See the leak in dollars, not percentages
Apply a published 0.8–2.4% leakage range to a mid-size platform, then add one unreversed dispute. The result is a model you can check against your own numbers.
- 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
Fee-leak calculator
Illustration values below, not a customer's numbers — replace them with your own.
Application fees left behind per year: $7,200
Assumes the application fee is not refunded — Stripe's default unless refund_application_fee is set.
That is only the ‘Refund sent, fee kept’ leak. Transfers never reversed and dispute fees are on top.
Run the same arithmetic on your own numbers with the free seven-step check. No signup required.
Signals your security review can inspect
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.
Transfer never reversed
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.
detector unreversed_transfer · on charge.refunded
Refund sent, fee kept
The refund goes through without refund_application_fee, so your platform fee stays attached to revenue that no longer exists.
detector unadjusted_application_fee · on application_fee.refunded
Dispute fee never recovered
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.
detector uncovered_dispute_loss · on charge.dispute.closed
FX rate gap at settlement
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.
detector fx_slippage · on balance.available
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 step 6 shows any amount, you've found the leak — and you did not need us to prove it.
0 of 7 steps ticked. Saved in your browser; nothing is sent anywhere.
Before you paste
- Do I need to share my Stripe API keys?
- No. You paste an export; nothing is sent to Stripe on your behalf, and the page keeps nothing after the result.
- Is the free audit missing anything the paid plan finds?
- No. The free audit runs the same four detectors. Monitor adds continuous checking of new events and the recovery workflow, not extra detectors.
Find your baseline before month-end.
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.