{"id":24739,"date":"2025-03-07T08:47:30","date_gmt":"2025-03-07T08:47:30","guid":{"rendered":"https:\/\/synder.com\/help\/?p=24739"},"modified":"2026-04-10T12:28:54","modified_gmt":"2026-04-10T12:28:54","slug":"synchronizing-stripe-balance-reserves","status":"publish","type":"post","link":"https:\/\/synder.com\/help\/synchronizing-stripe-balance-reserves\/","title":{"rendered":"Synchronizing Stripe balance reserves in Synder"},"content":{"rendered":"\n
This guide explains how Stripe<\/strong> balance reserve transactions sync to your accounting software through Synder<\/strong>.<\/p>\n\n\n\n Use this guide if:<\/p>\n\n\n\n Stripe may temporarily hold a portion of your balance for risk management or payout configuration. When this occurs, Stripe creates reserve hold<\/strong> and reserve release<\/strong> transactions in the balance history. Synder fetches and synchronizes all reserve transaction types. <\/p>\n\n\n\n Stripe uses several transaction types to represent temporary balance holds and releases. The exact transaction name depends on the reserve type.<\/p>\n\n\n\n Used by Stripe Connect platforms<\/strong> when a connected account has a negative balance<\/strong>.<\/p>\n\n\n\n Funds are temporarily moved into a reserve until the connected account balance recovers.<\/p>\n\n\n\n Refer to this article<\/a> in Stripe for more details. <\/p>\n\n\n\n <\/p>\n\n\n\n Stripe may hold funds if your account is assessed as having elevated risk<\/strong> (for example higher dispute rates).<\/p>\n\n\n\n Funds are released after the configured holding period if no liabilities occur.<\/p>\n\n\n\n <\/p>\n\n\n\n If you configure a minimum balance for payouts<\/strong>, Stripe retains part of your balance. When the minimum balance setting is reduced or removed, Stripe creates a payout minimum balance release<\/strong> transaction.<\/p>\n\n\n\n <\/p>\n\n\n\n Payment networks such as Visa or Mastercard<\/strong> may temporarily reserve funds to cover potential disputes.<\/p>\n\n\n\n <\/p>\n\n\n\n These transactions apply to Stripe Issuing cards<\/strong>. When a card purchase is authorized, Stripe temporarily holds the amount until the transaction is captured or released.<\/p>\n\n\n\n Synder also supports Stripe Issuing transactions<\/strong>, including captured card payments.<\/p>\n\n\n\n For more details on how exactly reserves work and why they are necessary, visit this article<\/a> from Stripe Help Center. <\/p>\n\n\n\n Synder synchronization behavior depends on the selected sync mode.<\/p>\n\n\n\n In Per Transaction<\/strong> mode, Synder automatically creates an asset account named Balance Reserve<\/strong> in your accounting records. This account can be changed in the settings, if needed.<\/p>\n\n\n\n Synder records transactions based on the reserve movement direction:<\/p>\n\n\n\n This structure reflects that the funds remain owned by the business but are temporarily restricted.<\/p>\n\n\n\n Transaction types created in Synder correspond to the specific reserve transaction names used in Stripe<\/strong>.<\/p>\n\n\n\n Example transaction in Synder:<\/p>\n\n\n\n The created entity depends on the accounting platform. In Summary Sync<\/strong> mode, when Synder detects a reserve transaction, a new mapping line appears in the Mappings<\/strong> list. <\/p>\n\n\n\n Assign the appropriate Balance Reserve<\/strong> account to this mapping line or allow Synder to create a new asset account.<\/p>\n\n\n\n In Summary Sync mode, reserve movements are recorded inside the summary journal entry<\/strong>:<\/p>\n\n\n\n The recommended account type for balance reserves is Asset<\/strong>. They only move funds into a <\/em>temporary reserve account<\/em><\/strong>. Synder records the movement from Clearing account to Balance Reserve account.<\/em> Reach out to Synder Team<\/em><\/a> <\/strong>via online support chat or email with any questions you have \u2013 we are always happy to help you!<\/p>\n","protected":false},"excerpt":{"rendered":" Stripe Reserve Transaction Types How Synder Syncs Stripe Balance Reserves Per Transaction Mode How This Appears in Accounting Software Summary Sync Mode Important Notes FAQ This guide explains how Stripe balance reserve transactions sync to your accounting software through Synder. Use this guide if: Stripe may temporarily hold a portion of your balance for risk […]<\/p>\n","protected":false},"author":2318,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":"","_ppma_block_editor_authors":""},"categories":[369,368,438,437],"tags":[],"ppma_author":[342],"class_list":["post-24739","post","type-post","status-publish","format-standard","hentry","category-transaction-recording-per-transaction","category-fees","category-stripe-payment-integration","category-payment-integrations-main"],"yoast_head":"\n\n
Stripe Reserve Transaction Types<\/strong><\/h2>\n\n\n\n
Reserve Transactions (Stripe Connect Reserves)<\/strong><\/h4>\n\n\n\n
Reserved funds<\/strong><\/h4>\n\n\n\n
Payout minimum balance hold\/release<\/strong><\/h4>\n\n\n\n
Payment network reserve hold\/release<\/strong><\/h4>\n\n\n\n
Issuing authorization hold\/release<\/strong><\/h4>\n\n\n\n
How Synder Syncs Stripe Balance Reserves<\/strong><\/h2>\n\n\n\n
Per Transaction Mode<\/strong><\/h3>\n\n\n\n
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<\/figure>\n\n\n\nHow This Appears in Accounting Softwar<\/strong>e<\/h3>\n\n\n\n
<\/p>\n\n\n\n\n
Summary Sync Mode<\/strong><\/h3>\n\n\n\n
<\/figure>\n\n\n\n\n
<\/strong> Debit Balance Reserve (Asset)<\/strong>
<\/strong> Credit Clearing account<\/strong>
<\/strong><\/li>\n\n\n\n
<\/strong> Debit Clearing account<\/strong>
<\/strong> Credit Balance Reserve (Asset)<\/strong><\/li>\n<\/ul>\n\n\n\n
<\/figure>\n\n\n\nImportant Notes<\/strong><\/h2>\n\n\n\n
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<\/p>\n\n\n\n\n
For a multicurrency setup, if clearing accounts with multiple currencies are used, synchronization may fail because the From<\/strong> and To<\/strong> accounts must use the same currency.
To ensure accurate tracking:<\/li>\n<\/ul>\n\n\n\n\n
<\/li>\n\n\n\n
<\/figure>\n\n\n\nFAQ<\/strong><\/h2>\n\n\n\n
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<\/strong>Reserve holds are <\/em>not expenses<\/em><\/strong>.<\/em><\/li>\n<\/ul>\n\n\n\n
<\/p>\n\n\n\n\n
This account tracks <\/em>funds temporarily held by Stripe<\/em><\/strong> so your accounting balances remain accurate.<\/em>
<\/em>You can change the account in <\/em>Synder settings<\/em><\/strong> if needed.<\/em>
<\/em><\/li>\n\n\n\n
Stripe represents reserve movements using <\/em>positive and negative balance transactions<\/em><\/strong>. Synder uses this direction to determine how the accounting entry should be created.<\/em>\n\n
<\/em><\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n