Netdrift watches your Stripe account for the early signs of a fund hold. When anything changes, you find out that day — not when the payout comes up short.
Stripe holds funds when your chargeback rate, reserve percentage, or dispute volume crosses thresholds they track internally. They don't warn you. Those changes happen over days — your first clear indication is usually a short payout.
Stripe has that data. It's just not visible in any dashboard founders actually check.
Four signals. Each one matters for different reasons. Together, they give you the picture Stripe has been building without telling you.
The number that moves without telling you. Stripe adjusts it automatically when something shifts in your account. Netdrift tracks it daily and shows the direction alongside the number — because a 3-point creep over a fortnight has a different cause than an overnight jump.
Tracked hourly against Stripe's 0.75% threshold, with 30 days of history visible. 0.5% is fine. 0.5% that was 0.15% two months ago is not. The trend is what matters.
The count alone doesn't say much. Disputes clustered around a specific billing date, product, or pricing tier usually point to something real — a refund policy misalignment, a cancellation flow with unclear terms. You see the grouping, not just the total.
A single composite number if you need to brief someone quickly. Combines reserve ratio trend, chargeback velocity, and dispute concentration into one signal. Alerts go to Slack or email when anything crosses a threshold you care about.
OAuth connect to Stripe (read-only). Set your thresholds. That's the setup — takes about five minutes.
Read-only OAuth. Netdrift works with account-level summary data — reserve percentages, dispute counts, chargeback rates. No payment data, no card numbers, nothing customer-identifying.
Choose what triggers a notification. Sensible defaults are pre-configured based on Stripe's known thresholds, but you can tune them to your risk tolerance and business profile.
You get a dashboard when you want to look. Alerts when something changes enough to matter — Slack or email, your choice. The monitoring runs whether you're watching or not.
If you sell into the EU or run a marketplace, your Stripe setup sits in a different place than a US subscription business. Rolling reserves are standard, not unusual. Chargeback windows are longer, which means exposure stretches further.
A single difficult customer segment can move your dispute totals enough that Stripe reviews your account automatically. That's the situation Netdrift is designed around.
The tiers below are what we're planning to charge at launch.
Stripe is already tracking your reserve percentage, chargeback rate, and dispute volume. Netdrift makes that visible on your side. Join the waitlist to get early access when we open.
Join the waitlistNo credit card. We'll email you when early access opens for your tier.