Payouts and reconciliation
Match each payout to its bank deposit. The funding report explains the included payments and adjustments; the bank record confirms the amount received.
Finance and operations teamsBefore you begin
- Merchant transaction and funding report access
- The account’s payout terms, cutoff and reporting time zone
- The receiving bank’s statement or posted transaction record
On this page
Follow the payment to bank deposit
- 01 · CaptureCheck the capture resultOrder and capture or sale reference
- 02 · SettlementRead the settled activityProcessed items in the reporting period
- 03 · Payout calculationCheck the payout amountIncluded activity and adjustments
- 04 · Bank depositMatch the bank depositAmount, currency and bank reference
- Capture
- Keep the accepted capture or sale reference with the original order. Authorization alone is not an amount received by the business.
- Settlement
- Identify the processed activity included in the relevant settlement or funding report. Do not assume every capture appears in the next payout.
- Payout calculation
- Read the included activity and the report’s fees, refunds, dispute adjustments, reserves and credits. Check whether charges are netted or billed separately.
- Bank deposit
- Match the final funding amount, currency and reference to the bank’s posted entry. Keep any unmatched difference open for investigation.
Reconcile the payout amount
Select the merchant deposit
Confirm the merchant, currency, deposit reference, period and expected destination. A batch for the platform can contain several merchant deposits.
Match its included activity
Use the payments and adjustments listed in that report. Preserve their references and recorded signs, including corrections relating to earlier periods.
Calculate the amount once
Separate netted deductions, credits and amounts held. Do not subtract a fee again if it is already included in a net total, or deduct a separately billed fee from this deposit.
Match the bank entry
Compare the reported funding amount with the posted bank credit and reference. Record the match, or retain the difference with an investigation owner.
- Included activity
- Start with the payments included in the funding report for that deposit.
- Net deductions and credits
- Apply the report’s signed fees, refunds, dispute adjustments, reserve movements and credits once. Keep separately billed charges outside the deposit calculation.
- Bank match
- Compare the calculated report total with the bank entry and investigate any difference.
Each difference has an activity or adjustment reference. Reconciliation is complete only when the corresponding bank entry is matched.
Read batch and deposit results separately
A funding batch and an individual merchant deposit can have different outcomes. Match the record and merchant before applying its reported status.
| Record | What to check |
|---|---|
| Funding batch | The outcome of the group of deposits. A partial rejection does not mean every merchant deposit failed. |
| Merchant deposit | The outcome and any rejection or return affecting that merchant’s deposit. |
| Bank entry | The posted amount and reference that establish receipt in the bank account. |
For integrations: match the batch and merchant
Keep the batch reference, each merchant deposit reference and the account mapping together. Do not apply a batch result to every merchant without checking its deposit.
A funded notification arrives again
Record delivery separately from the funding result. A repeated event is not a second bank deposit and must not duplicate a reconciliation entry.
Investigate a missing or different deposit
- References
- Merchant, individual deposit, any funding batch and the report period.
- Difference
- Reported amount and currency, bank amount and reference, observed status and any later adjustment.
- Next action
- The unresolved amount, investigation owner and next check. Use a masked destination reference when contacting support.
The payout is less than the sales total
Compare the included period, cutoff and time zone first. Then account for refunds, fees, disputes, reserves, credits and separately billed charges. Do not subtract a deduction twice.
The report says funded but no bank credit appears
Check the current merchant deposit status, expected timing under the account terms, receiving account and any rejection or return. Ask support to trace the existing deposit when the expected timing has passed.
Only part of a batch was rejected
Inspect the individual merchant deposits and their causes. Reconcile successful deposits separately and leave the rejected or unresolved items open.
The bank entry is different or was returned
Keep the bank reference, amount, date and currency with the original deposit. Check for later adjustments or returns and ask the responsible team to resolve the difference rather than forcing a match.
For integrations: funding instructions
Where funding instructions are permitted for an account, track the submitted instruction separately from its later result. Reporting access alone does not grant permission to create or repeat an instruction.
If your integration needs funding instructions, request the permitted operations, submission instructions and recovery procedure from our integration team before implementing them.
| Record | What it establishes |
|---|---|
| Instruction | A request for a permitted funding action and its submission outcome. |
| Funding result | The later processing result for the relevant batch or merchant deposit. |
| Bank record | The posted receipt or return in the receiving account. |