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Settlement and reconciliation reading
A reconstruction of payout, refund, and fee lines so the application’s processing history matches the bank credits a gateway will actually check.
Gateway underwriters compare the processing history in an application with the credits that landed in the applicant’s bank. When payout reports, refund files, and current-account statements tell three different stories, the file is not “incomplete” in a vague sense — it is unreadable.
This reading rebuilds that bridge. We take processor settlement files, isolate fees, chargebacks, and withheld reserves, and match the remainder to bank credits. Where a month cannot be matched, we say so in plain language rather than forcing a total.
The work is useful when you have used more than one processor, when a marketplace paid you on a delayed cycle, or when a prior acquirer held a rolling reserve that still sits in the statements. Those facts belong in the application; they should not appear as unexplained holes.
You receive a reconciliation appendix and a short covering note. You decide whether to include the appendix in the pack you send. We do not file it with the gateway unless a later engagement says so.
Typical duration: 6–10 working days. Quoted from the number of processors and months in the pack.
What this engagement includes
- Month-by-month bridge from processor reports to bank credits
- Flagging of withheld settlements, rolling reserves, and fee buckets mixed into sales
- A reconciliation appendix you can attach to the application if you choose
- Notes on months that cannot be evidenced and should be dropped or explained