Every Stripe Transaction Becomes a Journal Entry.
Automatically.
Individual transaction level, not daily summaries. Covers every Stripe operation across 10 domains. ASC 606 revenue recognition. 3-layer deterministic reconciliation. Setup takes under 5 minutes, no configuration screens. Rillet charges enterprise pricing. ERPClaw is free and open source.
Ask it like you'd ask a person
"What did Stripe take from us last month?"
One ask. Your fees, refunds, and payout timing for any month, from your real books, not Stripe's dashboard math. And pretty much every Stripe question works the same way: payouts, refunds, disputes, subscription revenue, month by month or across any range you name.
Tested Against Real Stripe Data
Not a demo with fake numbers. We connected a real Stripe sandbox and synced every transaction.
391 total records synced from a real Stripe sandbox, every one with its own GL entry.
What Makes This Different
Replace hours of spreadsheet work with one chat command.
Every Transaction Becomes a Journal Entry
Individual transaction level, not daily summaries. Every charge, refund, fee, and dispute creates its own GL entry with full Stripe metadata, the who, what, when, and how much. Zero manual data entry.
3-Layer Payout Reconciliation Without Spreadsheets
Layer 1: match Stripe transactions to payment entries. Layer 2: match payouts to bank deposits. Layer 3: verify the clearing account hits zero. One command replaces hours of spreadsheet work.
Natural Language Accounting Through Chat
Say "sync my Stripe data" or "show me last month's MRR." Replace hours of spreadsheet work with one chat command. Setup takes under 5 minutes, no configuration screens, just paste your API key.
Rillet Charges Enterprise Pricing. ERPClaw Is Free.
Companies like Rillet raised $100M+ to build Stripe-to-GL automation for SaaS companies. Here is what you actually get for enterprise pricing, and what you get for free.
| Feature | Paid Stripe ERPs | ERPClaw |
|---|---|---|
| Price | Enterprise pricing (sales call required) | $0 forever, open source license |
| Implementation | 45 days + CPA consulting team | Under 5 minutes, no configuration screens |
| Data granularity | Individual transactions (SaaS only) | Individual transactions, every industry |
| Reconciliation | ML-based (~95% auto-match) | Deterministic posting rules: the same input produces the same books, every time |
| GL transparency | Proprietary rules, closed source | Published GL rules, see every debit/credit |
| Industries | Venture-funded SaaS companies only | Healthcare, education, retail, construction, legal, 12+ more |
| Data sovereignty | Their cloud (vendor lock-in) | Your machine, self-hosted, open-source |
| Source code | Proprietary, closed | Open-source on GitHub |
| Vendor risk | VC-funded startup burning cash | Open-source, community-owned, runs forever |
| Stripe Connect | Basic payment sync | Application fees, transfers, connected account payouts |
| Testing | Unknown (proprietary) | Automated regression suite plus a gated validation pipeline |
| Platform | Standalone accounting tool | Built on OpenClaw, full ERP |
How It Works
Other ERPs need a 45-day implementation with a CPA consulting team. ERPClaw needs one conversation. This is a real tested flow, not a mockup.
Based on a real end-to-end test: fresh install → company setup → Stripe connect → sync → reports. Verified March 2026.
Key Features
Auto-Sync
Charges, refunds, disputes, and payouts sync automatically. No manual downloads, no CSV imports, no reconciliation spreadsheets. Individual transaction level with full metadata, not daily summaries.
3-Layer Reconciliation
Layer 1: match Stripe transactions to ERPClaw payment entries. Layer 2: match payouts to bank deposits. Layer 3: verify GL clearing account hits zero. One command reconciliation.
Automatic GL Posting
Every Stripe event creates GL entries. Charges post revenue. Fees post to expense. Refunds reverse. Disputes create reserves. Zero manual journal entries.
Dispute Handling
Disputes automatically create reserve entries. Won disputes reverse the reserve. Lost disputes write off the receivable. Full audit trail either way.
Stripe Connect
Multi-party payments for platforms and marketplaces. Application fees, transfers, and connected account payouts, all posted to the correct GL accounts automatically.
MRR Reports
Monthly recurring revenue, churn rate, expansion revenue, and contraction, calculated from actual Stripe subscription data, not estimates.
GL Posting Rules
Most ERPs hide their GL rules behind proprietary code. We publish ours. Every transaction becomes a journal entry you can trace and verify.
| Event | Debit | Credit | Note |
|---|---|---|---|
| Charge | Stripe Clearing + Stripe Fees | Revenue | Net amount to clearing, gross fees to expense |
| Refund | Revenue | Stripe Clearing | Reversal of original charge |
| Dispute | Dispute Reserve | Stripe Clearing | Reserve until resolved |
| Payout | Bank Account | Stripe Clearing | Clearing account should hit zero |
| Fee Refund | Stripe Clearing | Stripe Fees | Stripe returns the fee on refund |
Every Industry, Not Just SaaS
Paid Stripe ERPs only serve venture-funded SaaS companies. ERPClaw serves everyone who accepts Stripe payments.
Medical Practice
Collecting copays and patient payments via Stripe
School
Collecting tuition and fees via Stripe
Construction Company
Collecting progress payments via Stripe
Law Firm
Collecting retainers and case payments via Stripe
Retail Store
Processing card payments via Stripe Terminal
Property Manager
Collecting rent and deposits via Stripe
We Don't Guess. We Prove.
Deterministic reconciliation means every GL entry is traceable back to a Stripe balance_transaction. No AI guessing which invoice a payment belongs to.
Their Approach
- ML-based matching algorithms
- ~95% auto-match rate
- 5% requires human intervention
- Can't explain why a match was made
Our Approach
- Deterministic 3-layer matching
- balance_transaction → charge → payout
- Deterministic matching: the same input produces the same books
- Every GL entry traceable to source
Every GL entry references a Stripe balance_transaction. Every balance_transaction links to a charge or payout. There is no AI guessing which invoice a payment belongs to, Stripe tells us, and we post it.
vs. Manual Reconciliation
Most businesses spend 3-5 days per month reconciling Stripe with their books. ERPClaw does it with one command, zero manual data entry.
| Aspect | ERPClaw + Stripe | Manual Process |
|---|---|---|
| Reconciliation time | 0 days (automatic) | 3-5 business days |
| Fee tracking | Per-transaction, automatic | Monthly aggregate |
| Dispute visibility | Real-time GL reserve | Discovered at month-end |
| Payout matching | Automatic to bank deposit | Manual spreadsheet |
| Revenue recognition | Posted on charge | Batch at month-end |
| Manual data entry | Zero | Every transaction |
| Error rate | No manual keying: deterministic rules post the same books from the same input, every time | 2-5% industry average |
The Open Source Advantage
Read our code. Run our tests. See exactly how every Stripe charge becomes a GL entry. Rillet charges enterprise pricing. ERPClaw is free and open source.
No Vendor Lock-in
If a paid Stripe ERP goes under, your accounting data is trapped in their cloud. With ERPClaw, you own everything, data, code, and configuration. Self-hosted on your machine, backed by an open-source community. Built on the OpenClaw platform.
Technical Specs
Stop paying enterprise pricing for something that should be free.
Install ERPClaw on OpenClaw and say: