Faster money in your account, books that close themselves
Standard or on-demand settlement to your bank, with every acquirer's file parsed, matched against a double-entry ledger, and discrepancies flagged before your finance team finds them.
T+1
Standard settlement cycle
On-demand
Pull funds when you need them
Auto-matched
Reconciliation without spreadsheets
Capabilities
What Settlements & Reconciliation gives you
Standard and on-demand cycles
Settle on your regular cycle, or pull funds early when working capital needs it, subject to eligibility.
Transparent settlement math
Every payout breaks out gross, refunds, chargebacks, MDR, GST, and TDS line by line. No unexplained deductions.
Multi-acquirer file ingestion
Each acquirer's settlement format is parsed natively, one batch per acquirer per date, with duplicate-batch protection.
Automated matching
Settlement records are matched to ledger captures by gateway reference, and anything missing or mismatched is flagged.
Double-entry ledger
Every payment, refund, settlement, and adjustment is recorded in a balanced double-entry ledger with a full audit trail.
Scheduled runs and chargeback sync
Reconciliation runs daily and marks each batch complete or partial. Chargebacks sync after the settlement window and post back to the ledger.
How it works
From setup to settled, in four steps
Payments capture
Every successful transaction posts to the double-entry ledger as it happens.
Files arrive
Each acquirer's settlement file is ingested and parsed into a normalised batch.
Matching runs
Records match to ledger entries; mismatches are detected and auto-adjusted where safe.
Funds land
Settlement hits your bank with a full breakdown you can hand straight to finance.
Where teams use it
Common ways merchants put this to work
If one of these looks like your situation, the cost audit is the fastest way to find out what it's worth to you.
- Closing books without a monthly spreadsheet reconciliation exercise
- Unlocking working capital trapped in a slow settlement cycle
- Reconciling across several acquirers in one place
- Giving finance an auditable trail for every rupee
- Catching acquirer under-settlement before it ages out
See what this is worth on your volume
A free, written payment cost audit. No integration, no obligation — and if we can't reduce your cost, we'll tell you to stay where you are.