1Add your payout file
Upload payout or transfer totals from Stripe, Square, or another processor as a CSV — not individual customer charges.
Weekly money check
Find the gaps
before they cost you.
Compare Stripe, Square, or generic payout files with your bank deposits. PennyGap shows only the exceptions — missing deposits, unexpected deposits, amount differences, possible duplicates, and unusual fees.
Runs entirely in your browser. Your files are never uploaded. No account needed to try it.
How it works
Three steps. Exceptions only.
A simple weekly check for payouts against bank deposits. Matches stay out of the way so you can focus on what needs a second look.
2Add your bank deposits
Upload a bank CSV for the same USD account, covering the payout week plus a few business days after.
3Review the exceptions
See only the gaps, then export a CSV or print a PDF. The tool is read-only: it never edits your books or moves money.
Who it’s for
Built for the weekly payout check.
Bookkeepers
Give each client’s processor file and bank deposits a faster weekly pass, without connecting to anyone’s bank or accounting system.
Shop owners
A straightforward money check for small shops and home-service businesses that get paid through Stripe, Square, or a similar processor.
Privacy
Your files never leave your browser.
PennyGap runs entirely on your device. Payout and bank files are read and compared locally. Nothing is uploaded, saved automatically, or sent anywhere. There is no bank or processor connection, and the tool cannot change your books or move money. Close or reload the page to clear what you loaded. You can try it without giving us an email address.
The early-access form is separate: if you sign up, we keep your email only so we can contact you about PennyGap. Read the privacy policy.
Pricing
Free during early access.
Use the checker now, no account required. Paid plans are coming. Request early access if you want to hear when they do.
Early access
Want updates as PennyGap grows?
We’re launching small and learning from real signups. Leave your email and we’ll contact you about the product, including when paid plans are available.
FAQ
Common questions
What files do I need?
Two CSV files: processor payout or transfer totals, and bank deposits for the same USD account. Stripe and Square-style headers are recognized, and you can map columns for other formats. Use comma-separated files with a header row.
Does PennyGap connect to my bank or payment processor?
No. You export the files yourself and add them in the browser. PennyGap never asks for account credentials and never signs in to your bank, Stripe, Square, or bookkeeping software.
Is my financial data uploaded or stored?
No. The tool processes files locally in your browser. Nothing is uploaded, saved automatically, or sent to us. If you request early access, we store the email and details you submit only so we can contact you about PennyGap. Read the privacy policy.
What exceptions does it show?
Missing deposits, unexpected deposits, amount differences, possible duplicates, and unusual fees. Suggested matches are a starting point for review, not a finished reconciliation or accounting advice.
Does this replace my bookkeeper?
No. It’s a weekly check to highlight items worth a second look. Review exceptions with your bookkeeper before taking action.
What are the current limits?
USD only; comma-separated CSV with a header row; 2 MB or 2,000 rows per file. It does not import Excel, connect to banks, or handle refunds, foreign currency, or more than one account in a single run. This is an early tool, not audited financial software.
How much does it cost?
Free during early access. Paid plans are coming. You can try the tool now without an account.