NAYA + Stripe Integration
NAYA's Stripe integration connects your payment infrastructure to your financial operations in real time. Every payment, refund, dispute, and fee flows automatically into NAYA's reconciliation engine, eliminating manual matching of Stripe transactions against your bank statements and internal records.
Integration Benefits
Real-Time Payment Reconciliation
Stripe transactions flow into NAYA via webhooks the moment they occur. Payments, refunds, and disputes are matched against your internal records continuously rather than waiting for end-of-day batch processing.
Automated Fee Tracking and Allocation
Stripe's fee structure—percentage fees, fixed fees, currency conversion costs, dispute fees—is captured automatically and allocated to the correct transactions. No more manual fee calculations or month-end surprises.
Multi-Currency Settlement Handling
For businesses accepting payments in multiple currencies, NAYA handles the complexity of currency conversion, settlement timing, and FX reconciliation automatically. Conversion rates are tracked for audit purposes.
Dispute and Chargeback Visibility
Stripe disputes and chargebacks are tracked through their full lifecycle—from initiation through evidence submission to resolution. NAYA flags the financial impact immediately and ensures your books reflect the true cash position.
How to Connect
Connect Your Stripe Account
Generate a restricted API key in your Stripe Dashboard with read access to balance, charges, refunds, disputes, payouts, and events. Enter this key in NAYA's integration settings. NAYA validates the connection and begins syncing your Stripe configuration, including connected accounts for marketplaces.
Configure Webhooks
Add NAYA's webhook endpoint to your Stripe webhook settings. Enable events for charges, refunds, disputes, payouts, and balance transactions. NAYA processes these events in real time, ensuring your reconciliation data stays current without polling delays.
Import Historical Data
NAYA imports your historical Stripe data—typically 90 days by default, with options for longer periods. This historical sync establishes baseline reconciliation status and trains NAYA's matching algorithms on your specific transaction patterns.
Define Reconciliation Rules
Configure how Stripe transactions should match against your internal records and bank statements. NAYA provides intelligent defaults, but you can customize matching rules for specific scenarios like subscription billing cadences or marketplace payout timing.
How NAYA Connects to Stripe
NAYA integrates with Stripe through two complementary channels: the Stripe API for comprehensive data access and webhooks for real-time event processing.
The API connection provides access to your complete Stripe data: balance transactions, charges, refunds, disputes, payouts, transfers, and connected account activity. NAYA syncs this data on a scheduled basis, ensuring comprehensive coverage even if individual webhook events are missed.
Webhooks deliver real-time notifications. When a payment succeeds, a refund is issued, or a dispute is opened, Stripe sends an event to NAYA within seconds. This event-driven architecture enables continuous reconciliation rather than batch processing.
For platforms and marketplaces using Stripe Connect, NAYA handles the additional complexity of connected accounts, platform fees, and multi-party payouts. Each connected account's activity is tracked and reconciled. Learn more about reconciliation.
What Data Flows Between Systems
The Stripe integration captures the complete financial picture:
- Payments and Charges: Every successful charge, including amount, currency, fee breakdown, and metadata.
- Refunds: Full and partial refunds linked to their original charges, with fee refund handling tracked.
- Disputes and Chargebacks: From initiation through evidence submission to final resolution.
- Fees: Processing fees, international card fees, currency conversion costs, and dispute fees.
- Payouts and Settlements: When Stripe transfers funds to your bank, NAYA matches against underlying transactions.
- Balance Transactions: The canonical record of money movement in Stripe.
Use Cases
E-Commerce Payment Reconciliation
For e-commerce businesses processing hundreds or thousands of daily orders through Stripe, reconciliation becomes automatic. Order payments match against Stripe charges. Refunds reconcile against both your order system and Stripe records. Daily bank deposits match against the underlying Stripe payout with full transaction-level detail.
Subscription Billing Reconciliation
SaaS companies using Stripe Billing face unique reconciliation challenges: trial periods, proration, mid-cycle upgrades, failed payment retries. NAYA tracks subscription-level context for each payment, ensuring monthly recurring revenue calculations stay accurate.
Marketplace and Platform Payouts
Platforms using Stripe Connect face the most complex reconciliation scenarios. NAYA handles three-way matching for marketplace transactions: customer payment, component transactions in Stripe, and eventual bank settlements for both platform and seller accounts.
Benefits Over Manual Reconciliation
Manual Stripe reconciliation involves exporting balance transactions, mapping against internal records in spreadsheets, and investigating discrepancies one by one. At scale, this process breaks down.
At 1,000 daily transactions, manual reconciliation might take 2-3 hours daily. At 10,000 transactions, it becomes a full-time job. At 100,000 transactions, it requires a team—and error rates climb as volume increases.
NAYA's automated approach handles any transaction volume with consistent accuracy. The AI matching algorithms learn your transaction patterns, resolving ambiguities that would require human judgment in rule-based systems.
Getting Started
Modern payment operations require modern reconciliation. Learn more about how AI-powered reconciliation can transform your Stripe financial operations.
FAQ
How long does it take to set up the Stripe integration?
Most organizations complete the initial Stripe connection in under an hour. This includes generating API credentials, configuring webhooks, and initiating historical data import. Full historical sync typically completes within a few hours depending on transaction volume.
Is my Stripe data secure in NAYA?
NAYA maintains SOC 2 Type II compliance and encrypts all data in transit and at rest. The Stripe integration uses restricted API keys with only the permissions necessary for reconciliation—we never store your Stripe secret key or gain access to customer payment methods.
Can I import historical Stripe data?
Yes. NAYA imports historical Stripe transactions to establish baseline reconciliation status and train matching algorithms on your specific patterns. The default import covers 90 days, but you can request longer periods for comprehensive historical reconciliation.
Does the integration support Stripe Connect and marketplace payouts?
Yes. NAYA fully supports Stripe Connect, including Express, Standard, and Custom connected accounts. Platform fees, connected account payouts, and multi-party settlements are tracked and reconciled automatically.
What happens when Stripe transactions don't match?
Unmatched transactions are flagged as exceptions and routed based on your configured rules. NAYA's AI classifies exceptions by likely cause—timing differences, formatting issues, or genuine discrepancies—so your team can prioritize effectively.