{"id":29802,"date":"2026-07-10T14:38:22","date_gmt":"2026-07-10T14:38:22","guid":{"rendered":"https:\/\/synder.com\/help\/?p=29802"},"modified":"2026-08-27T14:51:48","modified_gmt":"2026-08-27T14:51:48","slug":"when-to-sync-stripe-charges-in-synder","status":"publish","type":"post","link":"https:\/\/synder.com\/help\/when-to-sync-stripe-charges-in-synder\/","title":{"rendered":"Sync Bank-Method Transactions in Transit (Stripe)"},"content":{"rendered":"\n<ul class=\"wp-block-advgb-summary advgb-toc alignnone\"><li class=\"toc-level-1\"><a href=\"#how-to-enable-the-setting-d10930c9-c93e-4916-944d-4d80bad08b5d\">How to enable the setting<\/a><\/li><li class=\"toc-level-1\"><a href=\"#what-happens-in-each-case-8bc63ac5-7e50-4e93-aa66-3a99e72d8aac\">What happens when you sync Stripe charges<\/a><\/li><li class=\"toc-level-1\"><a href=\"#how-to-confirm-it-worked-65560243-acac-46c6-ba96-4af7119d2d58\">How to confirm it worked<\/a><\/li><li class=\"toc-level-1\"><a href=\"#limitations-and-important-notes-40e3e7c4-48b1-43e7-89d9-bf5caa4f48cf\">Limitations and important notes<\/a><\/li><li class=\"toc-level-1\"><a href=\"#faq-f4055c35-0bb5-4729-9597-f55d3e7204b5\">FAQ<\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This guide explains when Synder should <strong>sync Stripe charges<\/strong> that customers pay through bank methods, and it covers the <strong>Sync bank-method transactions in transit<\/strong> setting in your Stripe integration. In short, the setting controls when Synder imports <a href=\"https:\/\/stripe.com\/payments\/ach-direct-debit\" target=\"_blank\" rel=\"noreferrer noopener\">ACH, SEPA, BACS<\/a>, and similar bank-debit charges \u2014 either before or after Stripe confirms their final status.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Use this if<\/strong> you accept ACH, SEPA, BACS, or other bank-debit payments through Stripe.<\/li>\n\n\n\n<li><strong>Don\u2019t use this if<\/strong> you only process card payments. Cards finalize instantly, so this setting does not affect them.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-enable-the-setting-d10930c9-c93e-4916-944d-4d80bad08b5d\"><strong>How to enable the setting<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>First, go to <strong>Settings<\/strong> in Synder.<\/li>\n\n\n\n<li>Next, select your Stripe integration.<\/li>\n\n\n\n<li>Then open the <strong>General<\/strong> tab.<\/li>\n\n\n\n<li>Find <strong>Sync bank-method transactions in transit<\/strong> and turn it on.<\/li>\n\n\n\n<li>Finally, click <strong>Update<\/strong>.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-happens-in-each-case-8bc63ac5-7e50-4e93-aa66-3a99e72d8aac\"><strong>What happens when you sync Stripe charges<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When Synder syncs Stripe charges from a bank method, the outcome depends on this setting. Here is what happens in each case.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Setting enabled (recommended):<\/strong> Synder waits for Stripe to confirm the final status before it imports the charge. As a result, your books only ever reflect money that actually cleared.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If the charge <strong>succeeds<\/strong> \u2192 Synder syncs it as an invoice + payment or a Sales receipt, which closes the balance correctly.<\/li>\n\n\n\n<li>If the charge <strong>fails<\/strong> \u2192 Synder records a deposit to the clearing account only and creates no invoice. Stripe then sends a <strong>Payment failure refund<\/strong> that corrects the clearing account. Later, when the actual successful payment comes through, Synder syncs it normally as an invoice + payment, so no duplicate conflict occurs.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Setting disabled:<\/strong> Synder imports the charge as soon as it affects Stripe\u2019s balance. At this stage Stripe reports the charge as paid, so Synder records it as an <strong>Invoice + Payment or a Sales Receipt<\/strong>, which closes the balance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, if the charge later fails, Stripe sends a <strong>Payment failure refund<\/strong> that corrects the clearing account \u2014 but the invoice still remains closed. Because the invoice already has a payment attached, Synder will not sync the eventual successful payment or create an unnecessary overpayment. Consequently, this leaves Accounts Receivable in an incorrect state, since a payment that eventually failed to reach your Stripe account had already closed the invoice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>To fix this manually:<\/strong> resync the original entry that created the Invoice + Payment. Since Stripe now shows the charge as failed, Synder re-imports it as a deposit instead and removes the incorrect Invoice + Payment. Once you do that, the successful payment syncs correctly when it comes through.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-confirm-it-worked-65560243-acac-46c6-ba96-4af7119d2d58\"><strong>How to confirm it worked<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">With the setting on, Synder waits to sync Stripe charges from bank methods until Stripe confirms the outcome \u2014 whether <em>succeeded<\/em> or <em>failed<\/em>. Therefore, you should no longer see a bank-debit charge post to your books while it is still pending.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"limitations-and-important-notes-40e3e7c4-48b1-43e7-89d9-bf5caa4f48cf\"><strong>Limitations and important notes<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Payment failure refund always runs, regardless of this setting.<\/strong> Whenever a Stripe charge fails, Stripe sends a reverting charge. Synder then records it as a <strong>Payment failure refund<\/strong> expense, which corrects the clearing account balance. This happens automatically, and this setting does not control it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Existing organizations default to disabled.<\/strong> New organizations default to enabled. You can change this at any time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>This setting applies to new charges only.<\/strong> Synder does not re-evaluate already-synced charges.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq-f4055c35-0bb5-4729-9597-f55d3e7204b5\"><strong>FAQ<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Which payment methods does this affect?<\/strong><strong><br><\/strong>It affects ACH, SEPA, BACS, ACSS debit, and similar bank-debit methods. Card payments, on the other hand, are unaffected.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What if the setting is disabled and a charge fails?<\/strong><strong><br><\/strong>In that case, resync the original entry in Synder. Since Stripe now shows the charge as failed, Synder re-imports it as a deposit instead of an Invoice + Payment. This then clears the way for the successful payment to sync correctly when it arrives.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Does this affect charges that were already synced?<\/strong><strong><br><\/strong>No. The setting only applies to new incoming charges.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/synder.com\/contact\/\"><em>Reach out to Synder Team<\/em><\/a> via online support chat or email with any questions you have \u2014 we are always happy to help you!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This guide explains when Synder should sync Stripe charges that customers pay through bank methods, and it covers the Sync bank-method transactions in transit setting in your Stripe integration. In short, the setting controls when Synder imports ACH, SEPA, BACS, and similar bank-debit charges \u2014 either before or after Stripe confirms their final status. How [&hellip;]<\/p>\n","protected":false},"author":2320,"featured_media":0,"comment_status":"open","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":[2,360,438,437],"tags":[],"ppma_author":[471],"class_list":["post-29802","post","type-post","status-publish","format-standard","hentry","category-get-started","category-configure-core-settings","category-stripe-payment-integration","category-payment-integrations-main"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>When to Sync Stripe Charges in Synder (Bank Methods)<\/title>\n<meta name=\"description\" content=\"Learn when to sync Stripe charges paid by bank methods like ACH or SEPA, 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