Did PayPal release what you expected?

Drop in a PayPal CSV. FlowOwl checks reserve holds against reserve releases and flags any amount that still needs investigation.

✓ Runs locally in your browser ✓ No account required ✓ No financial file uploaded ✓ Works offline after page load

Choose your PayPal CSV

Activity Download / statement-style CSVs with PayPal transaction event codes work best.

Reserve holding period (days)

Optional reserve rate (%)

Privacy: this file is read by JavaScript on your device. This checker contains no upload request and no analytics code. You can save the page and run it with Wi‑Fi off.

Waiting for a CSV.

Expected matured releases

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Observed reserve releases

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Potential unmatched amount

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Reserve holds in file

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Data quality

Rows read0

Reserve events0

Coverage—

Interpretation rule

This beta treats reserve holds as expected to release after the holding period you enter. It does not know private PayPal risk decisions or undocumented term changes. A gap is an investigation flag, not proof that PayPal owes money.

Date	Event	Amount	Currency	Expected release date	Reference

Would you automate this every month?

FlowOwl is testing automatic monthly reserve-release monitoring at $39/month. No spreadsheet work, no manual checking.

I'm interested at $39/month

What this checker can and cannot prove

PayPal documents T2103 as a reserve hold and T2104 as a reserve release. FlowOwl uses those event codes when present and falls back to clear reserve-related descriptions when they are absent. A real paid product would still need validated handling for multiple currencies, changes in reserve terms, partial/aggregated releases, and incomplete history.

Supported column names

The parser recognizes common variants including Date / Created At, Transaction Event Code / Type, Description, Currency / Transaction Currency, Gross / Net / Net Transaction Amount, Transaction ID / Record ID, Related Record ID, Reference ID and Invoice ID.