Reconciliation
Payments, refunds and settlements matched in one place, with discrepancies surfaced clearly.
Explore ReconciliationAI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Products · Financial OperationsBring financial operations into one connected workflow.
Reconcile payments against settlements and refunds, see what has settled and what is pending, issue refunds, and send your finance team the reports they need.
- Reconciliation
- Settlements
- Refunds
- Finance Analytics
- TransactionsRecorded as they happen
- SettlementsSettled and pending
- ReconciliationMatched in one place
- ReportsExported or scheduled
Overview
What Financial Operations covers.
Taking a payment is only the start. Someone has to confirm it settled, match it to the order, refund it when a customer returns something, and report it to the people who run the business. That work is where finance teams lose the most time.
Paynancial builds it into the records themselves — settlement records for every transaction, refunds issued against the original payment, collections reconciled automatically — and puts it all in Payment Analytics.
Where to start
Pick the one that matches your need.
| If… | Start with |
|---|---|
| You need to close the books | Reconciliation → |
| You need to know what has been paid out to you | Settlements → |
| You handle returns and cancellations | Refunds → |
| You report to management | Payment Analytics → |
The catalog
Everything in Financial Operations.
Products with their own page link straight to it. Items marked “Details on request” are described here only as far as the site already publishes — ask our team for the rest.
Settlements
See what has settled, what is pending and when it is due.
Explore SettlementsRefunds
Full or partial refunds from the dashboard or API, tracked to completion.
Explore RefundsFinance Analytics
Transaction dashboards by method, status and period (Payment Analytics).
Explore Finance AnalyticsMIS & Reports
Transaction, settlement and refund reports — exported, scheduled or pulled through the Reports API.
Explore MIS & ReportsChargebacks
How disputes work under Paynancial's Refund Policy: evidence shared with you, time to respond, and a decision by the network or bank.
Read the Refund Policy Explore ChargebacksInvoice Management
Put a Payment Link on every invoice so customers pay in one step, and track each link's status.
Explore Invoice ManagementExpense Management
The payment side of business spending: pay approved bills and claims through Payouts, tracked and reported.
Explore Expense ManagementHow it flows
Financial Operations, step by step.
Only steps Paynancial's published products support today.
- 01Recorded
Every transaction, settlement and refund is recorded as it happens.
- 02Settled
Each transaction is tied to a settlement record.
- 03Refunded
Refunds are issued against the original payment and tracked to completion.
- 04Reconciled
Reconciliation views match payments against settlements and refunds.
- 05Reported
Dashboards and reports you can export or schedule.
Security & trust
Built on trusted financial infrastructure.
Listed as verified in the Paynancial Trust Center.
- Encryption
- TLS 1.2 or higher in transit; AES-256 for sensitive data at rest, including bank details.
- Access
- Least-privilege internal access, logged, with multi-factor authentication for privileged actions.
- Monitoring
- Real-time fraud monitoring, with transactions risk-scored before funds move.
- Audit trail
- Every payment, payout and refund is tied to the API key or session that made it.
Certifications and regulatory authorisations are not claimed here. Trust Center · Security & Compliance · AI Governance
Build with Paynancial
Developer resources for Financial Operations.
Compliance in India
The RBI and NPCI rules around Financial Operations in India.
A plain-language guide to the frameworks that apply. It is general information, not legal advice, and not a statement of Paynancial's own licences or authorisations.
Payment Aggregator and Payment Gateway guidelines
RBI's framework for payment aggregators — businesses that collect payments on behalf of merchants — covering authorisation, merchant due diligence, how merchant funds are held and settled, and grievance handling. Payment gateways are treated as technology providers.
Turn Around Time (TAT) for failed transactions
Sets the time within which failed digital transactions — for example, a customer debited without the merchant being credited — must be reversed or resolved across authorised payment systems such as UPI, cards and IMPS, and the compensation due to the customer when that time is missed.
Online Dispute Resolution (ODR) for digital payments
Requires authorised payment system operators and participants to offer customers an online, rule-based way to raise and resolve disputes and grievances about digital payments.
UPI Online Dispute Resolution (UDIR)
NPCI's mechanism for customers to raise and track UPI complaints — such as a payment debited but not credited — from within their UPI app.
Digital Personal Data Protection Act, 2023
India's law on processing digital personal data — including the personal data in payment records — based on consent, purpose limitation and security safeguards.
Regulators update these rules by circular, so always check the current text at the source: Reserve Bank of India · NPCI. For Paynancial's own security and compliance posture, see the Trust Center.
AI & Intelligence
Where intelligence helps.
AI capabilities that work on the same data. All are available on request.
Pay & Move Money: Payouts you send are reported and reconciled alongside the payments you receive. Explore Pay & Move Money →
FAQ
Financial Operations questions.
What does Financial Operations cover?
Everything after a payment is taken: reconciliation, settlements, refunds, analytics and reporting.
How does Paynancial help with reconciliation?
Every transaction is tied to a settlement record, collections are reconciled automatically, and Payment Analytics shows payments, refunds and settlements side by side with discrepancies surfaced clearly.
Can reports be sent to my finance team automatically?
Yes. Reports can be exported in common formats or scheduled for recurring delivery.
Does Paynancial handle chargebacks?
Ask our team about chargeback handling for your business.
Talk to us about Financial Operations.
Tell us what you need to build, and we will show you where to start.