What Stripe export file format does this tool accept?

This tool accepts Stripe Balance Transactions CSV files. Export from Stripe and upload the CSV file directly.

Can I convert Stripe CSV to Xero Bank?

Yes, this tool converts Stripe Balance Transactions CSV exports directly to Xero Bank Statement format compatible with Xero Bank.

How do I import Stripe balance transactions to Xero Bank?

Export your balance transactions from Stripe, upload the CSV file to this converter, then import the converted file to Xero Bank.

Connect Stripe to Xero — No App Installation Required

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Xero Bank Statement Format

connected

Connect Stripe to Xero without OAuth, API keys, or monthly subscriptions. Same results as Amaka or Synder — file-based and instant.

No API required

Browser-based processing

Run on Google Cloud Platform

Download Sample Stripe Export

Sample balance transactions CSV to test the converter

Download Sample

Tool Rating

4.7 / 5 (892 votes)

How It Works

Export from Stripe

Dashboard → Balance → Export all transactions as CSV

Upload & Configure

Upload here, select your Xero region and options

Preview Results

Review converted transactions with fee splitting

Import to Xero

Upload to Xero → Bank Account → Import Statement

Your Data is Safe

Bank-Level Security

256-bit SSL encryption. Same standards as major financial institutions.

No Data Storage

Files are processed directly in browser. No calls to our servers.

GDPR Compliant

Full EU data protection compliance. Your privacy rights protected.

Field Mapping

How Stripe Balance_Transactions fields map to Xero Bank Statement

Stripe Balance_Transactions	Source Value		Xero Bank Statement	Target Value	Note
`Created (UTC)`	`2025-01-15 14:00:00`	→	`Date`	`01/15 14:00:00/2025`	Regional date format conversion
`Fee`	`3.20`	→	`Amount (Row 2)`		Negative fee expense
`Type`	`charge`	→	`Payee`	`charge`	Transaction type as payee label
`id`	`txn_1AbcXYZ123def`	→	`Reference`	`txn_1AbcXYZ123def`	Balance transaction ID for audit trail

Data Transformation

Each charge/refund becomes 1-2 rows (gross + optional fee)

Single ledger entry with gross, fee, and net

Key columns: id, Type, Amount, Fee

1:N — One input row creates multiple output rows

Gross amount row + fee row (if fee > 0)

Why Connecting Stripe to Xero Is Harder Than It Should Be

The Integration App Problem

Traditional Stripe-Xero connections require OAuth authentication, API tokens, and monthly subscriptions. When they work, they're convenient. When they break — sync failures, expired tokens, mapping errors — you're stuck waiting for support while your books fall behind.

The File-Based Alternative

Our approach delivers the same integration results without complexity: export your Stripe data, upload here to convert to Xero format, and import to Xero. Same accounting patterns as A2X and Synder — gross revenue with separate fee expenses, proper signage for refunds, clearing account workflow — but simpler and more reliable.

Common Bank Statement Import Errors

Issues you might encounter when importing Balance Transactions Export data to Bank Statement - and how we solve them

Date Format Mismatch

Xero may reject dates in wrong regional format

Select your Xero organization's region in options

Re-process with correct region setting

Payout Duplication

Including payouts creates duplicates with bank feed

Payouts are excluded by default (appear in real bank)

Reconcile payouts against actual bank deposits

Fee Sign Convention

Fees must be negative (money paid out)

We automatically convert fees to negative amounts

Verify fee rows show negative in Amount column

Why Use This Tool?

Fee Splitting

Each charge creates two entries: gross revenue and fee expense. Proper accounting, not net amounts.

Xero Bank Statement Format

Output matches Xero's import template exactly. No rejected rows or format errors.

Regional Date Formats

Automatic date conversion for UK, AU, NZ, US, and EU Xero organizations.

Clearing Account Ready

Designed for the Stripe clearing account workflow. Match payouts to bank deposits easily.

Payout Filtering

Automatically excludes payouts to prevent duplication with your actual bank feed.

Browser-Based Privacy

Your financial data processes in your browser. Never uploaded to external servers.

Frequently Asked Questions

The official integration syncs automatically via API but can have sync failures and limited historical access. Our file-based approach gives you full control, works with any date range, and produces identical accounting results.

Fee splitting records your gross revenue and Stripe's processing fee as separate transactions. This is required for proper accounting — recording only net amounts understates both your revenue and expenses.

Yes. Create a bank account in Xero called 'Stripe' and import transactions there. When Stripe deposits to your real bank, create a transfer from the Stripe account. This matches how professional bookkeepers handle payment processors.

Payouts (bank deposits from Stripe) appear in your actual bank account feed. Including them in the Stripe clearing account would create duplicates. The clearing account shows individual charges/fees; your bank shows the aggregated deposits.

Refunds are included with negative amounts. They appear in the Balance Transactions export and are converted with proper signage for Xero.

Yes! Export any date range from Stripe and convert it. This is actually easier than API-based tools which often limit historical sync to 90 days.