AI agents for Stripe
A Monmo agent works in Stripe the way a diligent finance assistant would. It finds a payment, matches payouts to your bank and your books, follows up failed payments and writes revenue summaries. It works through your own Stripe account and looks without asking. It does not move money on its own: every refund is a separate request that you allow or decline.
Updated 2026-11-13 · Free to start. Paid plans from $15 a month.
What agents do in Stripe
Find a payment
Give it an email, an amount, a date or the last four digits of a card. It finds the charge and tells you whether it succeeded, failed, was refunded or is disputed, and which payout it went into.
AskFind the $240 payment from Northwind on or around 3 November. Did it go through, and which payout was it in?
Reconcile payouts
For each payout it lists the charges, refunds and fees inside it, checks that the net amount equals what reached the bank and finds the matching deposit in Xero or QuickBooks. Differences are set out for you.
AskReconcile October's Stripe payouts against the bank feed in Xero, and show me each payout that is out and by how much.
Follow up failed payments
Each morning it lists the subscription payments that failed, with the decline reason Stripe gives and the next retry date, and drafts a short email asking each customer to update their card. Sending asks first.
AskEvery weekday at 9, list failed subscription payments and draft a polite email for each customer. I will read them before anything goes out.
Summarise revenue
On the first of the month it writes up the month before: gross volume, refunds, fees and net, new and cancelled subscriptions, and the same figures by product, in a Google Sheet with a short note.
AskOn the 1st of each month, summarise last month's Stripe revenue by product, with refunds, fees and net.
Prepare refunds
It checks the original charge, any earlier refunds and your policy, then prepares a full or partial refund with the reason. That request has its own card, apart from any reply to the customer, and waits for you.
AskPrepare a $60 partial refund on Northwind's October invoice for the two days of downtime. Do not refund until I allow it.
Gather evidence for a dispute
When a customer disputes a charge it collects the receipt, the invoice, delivery or usage records and your emails with the customer, and drafts the response. Whether to contest it is your decision, and submitting asks first.
AskA $180 charge was disputed yesterday. Collect the invoice, the delivery proof and our emails, and draft the response.
Answer billing questions
When someone writes that they were charged twice, it reads their payments, invoices and subscription, works out what happened and drafts a reply with dates and amounts for you or your support agent to send.
AskThis customer says they were charged twice in October. Check their payments and draft a reply that explains what happened.
How it connects
- 1Stripe is connected once, from your own account. The agent sees the payments, customers and payouts that connection may see. Stripe shows only the last four digits of a card, so that is all the agent sees.
- 2Keep the list of agents with Stripe short. Your finance agent needs it and your support agent may. No other agent should have it.
- 3Reading payments, invoices and payouts needs no approval. A refund, a new invoice, a cancelled subscription or any other change is asked for on its own card and is never slipped into another approval.
More in Accounting and payments
Other apps of this kind that agents work in, each with its own page.
Watch it work
A sample replay with example data, sped up. Pause it, scrub through it, or take the mouse yourself. This sample shows a similar job in other tools; Stripe is not on screen.
On screen
Xero
Gmail
Google Sheets
Pick a job. Watch it get done.
- Why
- Your weekday bookkeeping routine.
- Where
- Fieldwork in Xero · business account
- What to expect
- Marks 18 lines reconciled. The 2 odd lines are left for you, and no reminder is sent.
Your team. Connected to everything.
Cash and receivables — week 7+Sample replays with fictional data, sped up. Pause one, scrub through it, or take the mouse yourself.
Questions people ask
Can an AI agent refund a payment in Stripe without asking me?
No. Every refund needs your approval, each time. A Monmo agent checks the charge and your refund policy, then puts the customer, the amount and the reason on a card. When you allow that card, the refund is made through the Stripe connection, or in the agent's own browser when the connection does not cover something. Approving a reply to the customer does not approve the refund.
Is it safe to connect an AI agent to Stripe?
Its reach is set by the Stripe account you connect: what that connection cannot do, the agent cannot do. Stripe does not reveal full card numbers, so the agent never sees them. It can look up anything without asking; an action that moves money or changes a record needs your approval. You can watch it work and remove the connection at any time.
Can AI reconcile Stripe payouts with my accounting software?
Yes. The agent breaks each payout into its charges, refunds and fees, checks the net amount against the bank deposit and finds the matching line in Xero or QuickBooks. You get a list of what matched and what did not, with the likely cause. Posting an adjustment or a journal to your books asks first.
Can an AI agent chase failed subscription payments?
Yes. On a schedule you agree, it lists the payments that failed, reads the reason Stripe gives and drafts a message to each customer in your tone. You approve the batch on one card before anything is sent. It cannot promise that a customer will pay. What it does is see that each one is asked, clearly and soon.