MARDOOD

Amazon · United States

Amazon settlement does not match your bank deposit: what to check

By Mardood · Reviewed October 6, 2026 · Manual review guide

Compare an Amazon transfer with the corresponding settlement and currency, not with gross order sales. Refunds, fees, reserves and the timing of the transfer can explain a smaller deposit.

Reports to collect

  • Settlement report from the Finance Report or All Statements view
  • Transaction records for the same settlement period
  • Bank deposit reference and currency

How to investigate the difference

  1. 1. Start with one transfer

    Write down the settlement period, transfer amount and reference. Keep account activity and bank receipt dates as separate fields.

  2. 2. Rebuild the settlement

    Group the downloaded rows by type. Explain proceeds, refunds, fees and balance movements before comparing the net transfer.

  3. 3. Trace the bank receipt

    Use the transfer reference where available. Amazon’s payment-download guidance describes a trace identifier that can help the bank research a transfer.

  4. 4. Keep open balances visible

    An amount that remains in the marketplace balance should not be labeled a missing bank payment. Preserve it as an outstanding item until the next statement explains it.

Worked example

Illustrative example: $2,000 in sales less $300 fees and $200 refunds yields $1,500 before other balance movements. Comparing the bank deposit directly with $2,000 would overstate the unexplained difference.

Illustrative only; not a customer result or recovery estimate.

Before using the app

Can I upload an Amazon settlement file as an inventory ledger?

No. Settlement rows describe financial activity; an inventory ledger describes unit movements. Use Payout Match with documented net payouts and bank receipts prepared in its templates. It does not derive expected payouts from raw settlement rows.

Official sources

Report names and policies can change. Use the documentation for your actual account and region. Our examples and worksheet steps are practical review suggestions, not marketplace policy or tax advice.