Support de rapprochement
Le support de rapprochement rationalise le processus de correspondance des transactions avec les règlements et les dépôts bancaires. Automatisez les tâches de rapprochement complexes, identifiez rapidement les écarts et maintenez l'intégrité financière.
Cela réduit l'effort manuel et améliore la supervision financière.
- Catégorie
- Rapports
- Capacités
- 10
- Disponible sur
- Tous les plans
L'aperçu
Reconciliation support serves as a critical bridge between the point of authorisation and the final transfer of funds to a merchant bank account.
In a typical payment lifecycle, transactions processed via an acquirer are subject to various deductions, including interchange, scheme fees, and acquirer margins, before the net settlement is distributed.
Reconciliation involves the systematic comparison of internal sales records, processor settlement files, and bank statements to ensure every transaction is accounted for. This process identifies discrepancies arising from timing differences, currency fluctuations in cross-border trade, or unexpected chargeback debits.
By centralising data from multiple Merchant Identification Numbers (MIDs) and payment service providers, the system enables finance teams to verify that the expected value of captured transactions aligns with the actual funds received.
This rigorous oversight is essential for maintaining accurate ledgers and meeting the financial reporting standards required by internal audits and tax authorities.
Comment ça marche
Data ingestion and mapping
The system aggregates daily transaction reports from gateways and processors alongside settlement files from various acquirers. Standardised headers are applied to disparate data formats, ensuring that transaction IDs, authorisation codes, and timestamps are formatted consistently across the entire payment stack for accurate comparison.
Automated matching logic
Arithmetic algorithms compare authorisation records against settlement entries. The engine looks for exact matches across unique identifiers such as the Acquirer Reference Number (ARN).
This process accounts for gross transaction values and deducts known costs like interchange fees or refunds to arrive at expected net settlement amounts.
Discrepancy identification and flagging
Items that do not meet matching criteria are isolated in an exception report. Common flags include transactions that were authorised but never captured, partial settlements, or deposits that do not correspond to any recorded sales activity.
This allows staff to focus on investigating specific anomalies rather than manual scanning.
Bank statement verification
The final stage involves matching the total net payout indicated by the acquirer to the specific credit entries on the merchant bank statement. This step confirms that the funds have moved successfully through the banking system and are cleared, closing the lifecycle of the transaction.
Pourquoi c'est important
Verification of net settlement
Merchants often struggle to calculate the precise net amount expected after various fee structures are applied. Reconciliation support provides transparency into how gross sales are converted to net deposits by itemising interchange fees and scheme costs.
This prevents revenue leakage where acquirer errors or unexplained fees might otherwise go unnoticed over long fiscal periods, ensuring the business receives the full value of its processed volume.
Enhanced audit and compliance
Financial institutions and tax regulators require precise record-keeping regarding money movement. Standardised reconciliation provides a clear audit trail from the initial customer checkout to the final bank deposit.
By maintaining these records systematically, businesses can respond to retrieval requests or financial audits with documented evidence, reducing the risk of fines or unfavourable findings during statutory reporting or internal compliance reviews.
Cas d'usage
Multi-acquirer retail operations
Businesses using several acquirers to optimise routing can aggregate disparate settlement files into a single view. This enables the finance team to reconcile multiple MIDs against various bank accounts without switching between different provider portals.
High-volume subscription services
Platforms processing thousands of recurring transactions use reconciliation to track failed captures and dunning outcomes. It ensures that the revenue recognised in the billing system matches the actual cash received from the merchant acquirer.
Cross-border e-commerce
For merchants selling in multiple currencies, reconciliation logic handles FX conversion rates and international scheme fees. It validates that the settled amount in the functional currency accurately reflects the original transaction value minus agreed currency margins.
En chiffres
This is a typical industry range for finance teams transitioning from spreadsheet-based matching to automated acquirer data ingestion and algorithmic comparison.
Professional reconciliation systems aim for this level of precision by using unique identifiers like ARNs, though small variances may remain due to mid-month FX adjustments.
Most modern reporting interfaces can surface settlement data within a day of the file being generated by the acquirer, depending on the provider's reporting lag.
Termes associés
Talk to our team about a live rollout on your acquiring stack.
What you get with Support de rapprochement
- Automatiser la correspondance des transactions avec les fichiers de règlement
- Identifier les transactions manquantes ou les écarts de règlement
- Faire correspondre les paiements de plusieurs acquéreurs aux dépôts bancaires
- Générer des rapports de rapprochement à des fins d'audit
- Signaler les éléments non rapprochés pour une enquête immédiate
- Réduire la saisie manuelle de données et les erreurs humaines dans les processus financiers
- Exportable reports formatted for direct import into common enterprise resource planning software.
- Systematic flagging of duplicate payments or double-settlement errors for immediate remediation.
- Historical data archiving to facilitate multi-year financial audits and trend analysis.
- Validation of merchant bank deposits against processor payout notifications to confirm fund arrival.
A short scoping call, then a written plan for your MIDs.
Questions about Support de rapprochement
Comment fonctionne le support de rapprochement de Cardflo ?
Cardflo ingère les données de transaction et les fichiers de règlement de tous vos acquéreurs, les faisant correspondre automatiquement. Il met en évidence toute non-concordance ou élément manquant, offrant une vue d'ensemble claire à votre équipe financière pour enquêter et résoudre.
Peut-il gérer le rapprochement de plusieurs devises ?
Oui, notre support de rapprochement est conçu pour gérer plusieurs devises et transactions transfrontalières. Il fournit une vue consolidée, simplifiant le processus de rapprochement pour les marchands opérant à l'international.
Que se passe-t-il s'il y a un écart qui ne peut pas être résolu automatiquement ?
Le système signale les éléments non rapprochés et fournit des données détaillées pour chacun. Cela permet à votre équipe d'enquêter sur la cause profonde, qu'il s'agisse d'une différence de temps, d'une erreur d'acquéreur ou d'une non-concordance de données, permettant une résolution manuelle.
Can reconciliation support help in identifying friendly fraud or chargebacks?
Yes, by matching settlement files against transaction records, the system can automatically identify when a deduction has occurred due to a chargeback or a retrieval request.
If a transaction was successfully captured but the funds are absent from the settlement report, the system looks for a corresponding dispute notification.
This allows merchants to quickly initiate the representment process and ensures that the financial impact of disputes is immediately visible in reporting, rather than being buried in aggregate totals.
What happens when a merchant uses multiple currencies for settlement?
Multi-currency reconciliation requires the system to track the exchange rate at the time of authorisation versus the rate used at the time of settlement.
The software calculates the FX gain or loss and accounts for any currency conversion fees applied by the acquirer or the network.
This ensures that the merchant can balance their books in their primary reporting currency while maintaining visibility into the original foreign currency value of the sale.
Does this replace the need for an ERP or accounting software?
No, reconciliation support is designed to complement ERP systems like NetSuite, SAP, or Sage. While an ERP serves as the general ledger for the entire business, the reconciliation tool handles the complex, high-volume data specific to the payments industry.
It processes the raw, often messy data from payment providers and turns it into clean, reconciled entries that can be exported or pushed via API into the accounting software, reducing the burden on finance teams.
Prêt à accélérer ?
Parlez-nous de votre activité. Nous vous mettrons en relation avec les bons partenaires acquéreurs et la bonne route, généralement en moins d'une semaine.