Overview:<\/strong><\/p>\n The customer balance in Stripe acts like a wallet tied to a specific customer record. It can hold a positive balance (credit) or a negative balance (outstanding debt):<\/p>\n\n\n\n You can find the customer balance in the customer’s profile on the Stripe Dashboard.<\/p>\n\n\n\n [SCREENSHOT 1 \u2014 Stripe customer profile showing a positive credit balance in the “Balance” field]<\/strong><\/p>\n\n\n\n When a Stripe invoice is fully covered by the customer’s credit balance, no card payment or bank transaction occurs<\/strong>. Here is how Synder handles it:<\/p>\n\n\n\n [SCREENSHOT 2 \u2014 Stripe: invoice showing it was paid using customer balance (no card charge shown)]<\/strong><\/p>\n\n\n\n When only part of the invoice is covered by the customer’s credit balance, with the remainder paid by card or bank transfer, Synder records both:<\/p>\n\n\n\n For example: $100 invoice, $70 paid by card, $30 paid by credits \u2192 invoice shows a $70 payment + a \u2212$30 line. The invoice closes at $0.<\/p>\n\n\n\n If a customer balance is manually adjusted or refunded directly in Stripe<\/strong> (not applied to an invoice), Synder will not<\/strong> sync this adjustment. Synder only reflects credits at the moment they are applied to an invoice.<\/p>\n\n\n\n If you need to record a balance adjustment in your books, you will need to do this manually in your accounting system.<\/p>\n\n\n\n Synder maps the “Stripe Applied Balance” line to an account in your accounting system. By default this goes to the income account set in your Products & Services<\/strong> settings. You can change it if needed \u2014 always check with your accountant on where this should be categorized.<\/p>\n\n\n\n [SCREENSHOT 6 \u2014 QBO: Products and Services list showing the “Stripe Applied Balance” item with the Edit option]<\/strong><\/p>\n\n\n\n In Xero, the applied balance line is mapped via the Synder Settings \u2192 Products\/Services<\/strong> mapping. To change which account it posts to:<\/p>\n\n\n\n [SCREENSHOT 7 \u2014 Xero: the resulting invoice showing the negative “Stripe Applied Balance” line]<\/strong><\/p>\n\n\n\n Stripe customer credits do not create a separate credit memo or credit note in Synder. Instead, the credit is reflected as a negative line item directly on the invoice at the moment it is applied. If you are looking for a credit memo, this is by design \u2014 the invoice itself shows a $0 balance, which means the credit was accounted for correctly.<\/p>\n<\/details>\n\n When an invoice is fully paid using customer balance, no actual money moves between accounts \u2014 the credit offsets the invoice directly in Stripe. Because there is no payment charge in Stripe, Synder has nothing to sync as a payment. The invoice closes at $0 via the negative “Stripe Applied Balance” line.<\/p>\n<\/details>\n\n This can happen if the “Stripe Applied Balance” item in your Products & Services settings is mapped to an account type that doesn’t properly close the invoice (e.g., it’s mapped to the wrong account). Check that the account is set correctly and matches your accountant’s recommendation. You can update it in QBO under Products and Services, or in Synder under Settings \u2192 Products\/Services for Xero.<\/p>\n<\/details>\n\n\n
What Is Customer Balance in Stripe?<\/strong><\/h2>\n\n\n\n
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Invoice Fully Paid With Customer Balance<\/strong><\/h2>\n\n\n\n
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![\"Synder](\"https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/synder-sync-log-stripe-balance.jpg\")
![\"QBO](\"https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/qbo-invoice-fully-paid-balance.jpg\")
Invoice Partially Paid With Customer Balance<\/strong><\/h2>\n\n\n\n
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![\"Stripe](\"https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/stripe-invoice-partial-balance.jpg\")
![\"QBO](\"https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/qbo-invoice-partial-balance.jpg\")
Important Limitation: Balance Adjustments Are Not Synced<\/strong><\/h2>\n\n\n\n
Where to Track Applied Balances in Your Accounting System<\/strong><\/h2>\n\n\n\n
QuickBooks Online<\/strong><\/h3>\n\n\n\n
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Xero<\/strong><\/h3>\n\n\n\n
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FAQ<\/strong><\/h2>\n\n\n\n
Where is the credit memo? I don’t see one in my accounting system.<\/summary>\n
Why is there no payment transaction for this invoice?<\/summary>\n
The invoice in my books shows a balance due \u2014 something looks off.<\/summary>\n