A Stripe balance export lists each payout as a row, followed (or preceded) by the charges, refunds and fees that make it up. If you download a date range that cuts a payout in half, the bank shows one number and your rows add up to another.
ai-bookkeeper payouts now compares the payout row's amount with the net of the other rows and says which payout disagrees and by how much, instead of splitting a deposit into parts that do not sum to it. I tried it on public Stripe-layout test reports (made-up rows, real column layouts) and on hand-made rows; no real merchant's export yet. Free, open source, nothing sent anywhere.