Payments, refunds and settlements — matched in one place.

Every transaction is tied to a settlement record, collections reconcile automatically, and discrepancies surface clearly — so month-end stops being a spreadsheet exercise.

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Settlement records
Automatic for collections
Discrepancies surfaced
Export or schedule

In short

Paynancial ties every transaction to a settlement record, reconciles each collection automatically against the customer and cycle it belongs to, and shows payments, refunds and settlements side by side in Payment Analytics — with discrepancies surfaced clearly and reports you can export or schedule.

Overview

What reconciliation means on Paynancial.

Reconciliation is matching what you expected to be paid with what actually arrived — each payment to its order, each refund to its payment, and each settlement to the transactions it covers.

Paynancial builds reconciliation into the records themselves. Every transaction is tied to a settlement record, every refund is issued against its payment, and every collection is matched to the customer and cycle it belongs to — so reconciling is reviewing, not rebuilding.

How it works

Step by step.

01
Record
Every transaction, settlement and refund is recorded as it happens.
02
Link
Each transaction is tied to a settlement record; each collection to its customer and cycle.
03
Match
Reconciliation views show payments against settlements and refunds in one place.
04
Surface
Discrepancies surface clearly so they can be resolved.
05
Report
Export reports or schedule them for your finance team.

Capabilities

What you can do.

Reconciliation views: Match payments against settlements and refunds in one place (Payment Analytics).
Automatic reconciliation for collections: Each collection is matched against the customer and cycle it belongs to (Payment Collection).
Order-level reconciliation: Reconcile each transaction against your order in the dashboard or via webhook (Payment Gateway).
Discrepancies surfaced: Discrepancies surface clearly so reconciliation stays manageable.
Exportable and scheduled reports: Download reports or have them delivered on a schedule.
AI Reconciliation: An AI capability that matches settlements against transactions and surfaces only genuine exceptions — ask our team about availability.

Where it lives

Across the Paynancial platform.

Reconciliation is not a separate system — it runs through the products and tools you already use.

Reconciliation across Paynancial
Where	What you get
Payment Analytics	Reconciliation views, discrepancies and reports. See Payment Analytics.
Payment Collection	Automatic reconciliation of every collection cycle. See Payment Collection.
Webhooks	Payment, refund and settlement events to reconcile in your own systems. See Webhooks.
AI Reconciliation	Exception-first matching. See AI Financial Agents.

Good practice

Getting it right.

01
Use your own reference on every payment
An order, invoice or booking ID as the receipt makes matching straightforward.
02
Reconcile daily, not monthly
Small, frequent reconciliation keeps discrepancies small and recent.
03
Keep people on the exceptions
Let the matching run automatically and spend your team's time on what does not match.

FAQ

Reconciliation questions.

What does Paynancial reconcile?

Payments against settlements and refunds. Every transaction is tied to a settlement record, and every collection is matched to the customer and cycle it belongs to.

Is reconciliation automatic?

Collections are reconciled automatically against the customer and cycle they belong to. Reconciliation views in Payment Analytics show payments, refunds and settlements side by side, with discrepancies surfaced clearly.

Can I reconcile in my own accounting system?

Yes. Export reports, or use payment, refund and settlement webhooks to update your own systems as things change.

What is AI Reconciliation?

An AI capability that matches settlements against transactions and surfaces only genuine exceptions for a person to review. Ask our team about availability.

Talk to us about reconciliation.

Tell us how your business takes and moves money, and we will show you how it fits.

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