Are you wanting to find out more about charges or withdrawals from your account? It's important to understand these transactions to help you manage your finances, spot any errors, and make sure your records are up to date. In this article, we'll show you how to easily locate and review detailed information about charges and withdrawals. Whether you're trying to confirm a recent purchase, check for any unauthorized transactions, or just keep your accounts in order, we're here to help. Follow our simple instructions to get a better understanding of your financial activities and stay on top of your money.
Additionally, this article will help you understand and resolve discrepancies that may arise between Spectora and Stripe regarding payouts or charges.
Discrepancies may occur due to factors such as refunds, associated processing fees, or overlapping transactions grouped in a single payout.
Withdrawals for Refunds
When a payment is refunded to the client, it will show as a negative amount in your Payouts. In this section, we'll show you how to view the refund withdrawals.
For instance, if the total refund amount, including refund fees, exceeds the payouts you received on a given day, the difference may be debited from your account. For example, a payout of $445 offset by a refund of $595 plus $23.72 in fees would result in an additional withdrawal to balance the refund.
Keep in mind that processing fees associated with the refund are also deducted from the payout amount and are non-refundable, which can influence the total you receive.
Additionally, when you receive a payment, the deposited amount may be less than the charged amount due to credit card transaction fees. Spectora allows you to pass these fees on to your clients, but you must offer at least one fee-free payment option, such as ACH.
 💡 Quick tip: Click on the video above to expand it in another window. |
Click "Settings"
Click "Payments"
Click "Payouts"
Your payouts will show on this screen
A negative amount indicates a refund
Click "View included payments"
Payments will show in the payouts list
Each payout will be noted as refunds, refund fees, or payments
❇️ Note: Refunds to clients can take 5-10 business days, depending on their bank
Withdrawals for Failed ACH Payments
If your client made a payment via ACH (bank transfer) and the payment fails, the funds will be deducted from your account and sent back to the client. The way ACH payments work is similar to checks in the sense that your bank will make funds available to you within 1-2 business days, but it usually takes up to 4 business days for them to fully process. Because of this payment process, the funds are removed from your account when the payment fails. In this section, we'll show you how to view a failed ACH payment.
 💡 Quick tip: Click on the video above to expand it in another window. |
Click "Settings"
Click "Payments"
Click "Payouts"
You will see a negative amount for the failed payment
Click the Payout ID to see the inspection payment that failed
Click the inspection address to view the Inspection Details page
Click the 3 dots in the Fees & Payments box
Click "Edit Fees & Payments"
The payment will show as "Bank Transfer/spectora - failed"
Charges & Pending Payouts
Payment Disputes
In cases where a client disputes a payment, Spectora records only one payment per inspection. Disputes are typically tied to that payment, and the reason for the dispute (e.g., "Cardholder denies authorizing or participating") is provided by the bank.
From your Spectora account, you can easily navigate to your Stripe account to see pending payouts, refunds, and charges for refunds or failed payment fees.
Stripe is considered the most accurate source of truth for your payouts and transactions. If discrepancies arise, refer to your Stripe account to verify details and identify potential adjustments.
 💡 Quick tip: Click on the video above to expand it in another window. |
Click "Settings"
Click "Payments"
Click "Payout Settings"
You will be redirected to your Stripe Express account
Any withdrawals for failed payments will show as "Refund" in your Stripe transactions
❇️ For more information on how to see pending payouts, click here! ❇️
Understanding Financial Discrepancies
Discrepancies in payouts, invoices, or subscription charges often arise due to refunds, associated non-refundable fees, combined transactions within a single payout, or unexpected processing costs. Understanding these causes is key to resolving them effectively.
Additionally, large withdrawals or charges may result from payment processors batching multiple transactions into a single withdrawal.
Large charges may also appear on your account due to multiple refunds being batched together by the payment processor. These charges are not errors but a result of how refunds are processed.
Payout Amounts in Spectora vs. Stripe
Occasionally, the displayed payout in Spectora may not match expectations due to pending 'In Transit' amounts or updates that reflect later in Stripe. Steps to understand this issue:
Additionally, combined transactions can cause discrepancies when multiple transactions are grouped into one payout, affecting perceived amounts.
Log into your Stripe account and confirm payout statuses.
Check for processing delays or internal adjustments in Stripe.
Analyze payouts for combined transactions that might have caused variations due to refunds or overlapping payments.
These discrepancies often resolve once Spectora syncs with Stripe; however, contacting support for prolonged mismatches can be helpful.
If you have any questions or feedback, write into our chat bubble or email support@spectora.com!
