{"id":3752,"date":"2025-05-20T15:18:00","date_gmt":"2025-05-20T09:48:00","guid":{"rendered":"https:\/\/cashfree.com\/blog\/?p=3752"},"modified":"2025-05-28T12:08:21","modified_gmt":"2025-05-28T06:38:21","slug":"reconciling-your-payment","status":"publish","type":"post","link":"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/","title":{"rendered":"Reconciling Your Payment: The Ultimate Guide"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_81 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a8f1723e08f9\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #364250;color:#364250\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #364250;color:#364250\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a8f1723e08f9\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#Reconciling_Your_Payment_MeaningWhat_is_Payment_Reconciliation\" >Reconciling Your Payment Meaning\/What is Payment Reconciliation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#Difference_between_Reconciling_Your_Payment_and_Settlement\" >Difference between Reconciling Your Payment and Settlement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#Reconciling_Your_Payment_Step_by_Step_Process\" >Reconciling Your Payment: Step by Step Process<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#Reconciling_Settlement_with_Transactions\" >Reconciling Settlement with Transactions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#Reconciling_Adjustments_in_Settlement_Cycles\" >Reconciling Adjustments in Settlement Cycles<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#Reconciling_Refunds_and_Disputes\" >Reconciling Refunds and Disputes<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#Reconciling_Your_Payment_with_Payment_Gateway\" >Reconciling Your Payment with Payment Gateway<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#Real-Time_Reconciliation\" >Real-Time Reconciliation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#Payment_Analytics\" >Payment Analytics<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#Automation_of_Reconciliation\" >Automation of Reconciliation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#User_Friendly\" >User Friendly<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#FAQS_on_Reconciling_Your_Payment\" >FAQS on Reconciling Your Payment<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#What_are_the_3_types_of_reconciliation\" >What are the 3 types of reconciliation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#What_is_high_risk_reconciliation\" >What is high risk reconciliation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#What_is_a_POS_reconciliation\" >What is a POS reconciliation?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#What_is_General_Ledger_in_banking\" >What is General Ledger in banking?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/#What_are_the_5_types_of_accounts\" >What are the 5 types of accounts?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\"><em>This guide explains how you go about reconciling your payment. It provides a step-by-step process of reconciling your settlements, adjustments and refunds and disputes.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s a fact you might find interesting.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The global eCommerce market will touch USD 4.89 trillion in 2021. That means there are <a href=\"https:\/\/www.shopify.in\/enterprise\/global-ecommerce-statistics\" rel=\"nofollow\"><strong>USD 4.89 trillion of funds<\/strong><\/a><strong> that will need to be reconciled<\/strong>. But what is payment reconciliation and how can you achieve an error-free process?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This blog will answer all those queries.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8230;.but before that, <em>care to take a quick test?<\/em><\/p>\n\n\n\n<div data-tf-widget=\"RJywfdGR\" data-tf-iframe-props=\"title=Are You a Payments Expert?\" data-tf-medium=\"snippet\" style=\"width:100%;height:400px;\"><\/div><script src=\"\/\/embed.typeform.com\/next\/embed.js\"><\/script>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reconciling_Your_Payment_MeaningWhat_is_Payment_Reconciliation\"><\/span>Reconciling Your Payment Meaning\/What is Payment Reconciliation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let us assume that you own an eCommerce shop that sells cosmetics. You will need to know your cash flow as well as your expenditure to understand how much profit you are making. Moreover, this information will help you chalk out a business plan for the future. This is exactly what payment reconciliation means.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In simple terms, reconciling your payment is just cross-checking the business income and expenses. Most companies use ERPs and established systems to reconcile payments. These systems have detailed sub-ledgers under the main general ledger.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, nowadays, <strong>companies using payment gateways (PG) often use their in-built dashboards for payment reconciliation<\/strong>. Moreover, these dashboards help them get detailed payment analytics. For instance, they can analyze the most popular payment mode amongst their customers or net transaction amounts.&nbsp; Consequently, this information can be used to optimize their sales and marketing initiatives to boost sales.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/merchant.cashfree.com\/merchants\/signup?utm_source=reconciling_your_payment&amp;utm_medium=blog\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"770\" height=\"129\" data-attachment-id=\"3834\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/pg-testing-cta-1-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/PG-Testing-CTA-1.png?fit=1200%2C200&amp;ssl=1\" data-orig-size=\"1200,200\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"PG-Testing-CTA-1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/PG-Testing-CTA-1.png?fit=770%2C129&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/07\/PG-Testing-CTA-1-1024x171.png?resize=770%2C129&#038;ssl=1\" alt=\"\" class=\"wp-image-3834\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/PG-Testing-CTA-1.png?resize=1024%2C171&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/PG-Testing-CTA-1.png?resize=300%2C50&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/PG-Testing-CTA-1.png?resize=768%2C128&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/PG-Testing-CTA-1.png?w=1200&amp;ssl=1 1200w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Related Read: <\/strong><a href=\"https:\/\/cashfree.com\/blog\/third-party-payment-processor\/?utm_source=reconciling_your_payment&amp;utm_medium=blog\">Third Party Payment Processors<\/a>: Detailed Guide<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But we are getting ahead of ourselves. First, we need to understand the difference between settlement and reconciling your payment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Difference_between_Reconciling_Your_Payment_and_Settlement\"><\/span>Difference between Reconciling Your Payment and Settlement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Every payment gateway has a settlement cycle. Simply put, a <strong>settlement is a payment gateway crediting funds in a company\u2019s merchant account<\/strong>. A settlement cycle is a time between the customer making the payment and the payment gateway crediting the funds to the merchant\u2019s account. On the other hand, <strong>reconciling your payment is reviewing all your business transactions like total expenditure and income<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"770\" height=\"403\" data-attachment-id=\"3838\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/guide2021-01\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-01.png?fit=5000%2C2617&amp;ssl=1\" data-orig-size=\"5000,2617\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Guide2021-01\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-01.png?fit=770%2C403&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/07\/Guide2021-01-1024x536.png?resize=770%2C403&#038;ssl=1\" alt=\"Reconciling Your Payment\" class=\"wp-image-3838\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-01.png?resize=1024%2C536&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-01.png?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-01.png?resize=768%2C402&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-01.png?resize=1536%2C804&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-01.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Now, payment gateway <strong>settlements can of two types: Standard and Instant.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Standard settlements are dependent on bank working days and are usually <strong>T+2 to 4 days.<\/strong> Here, \u2018T\u2019 signifies the date that the customer made the payment. In the case of Instant settlements, the payment gateway credits the fund in the merchant account within <strong>15 minutes<\/strong>. Interestingly, instant settlements can be processed on bank working holidays as well!&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Naturally, the <strong>nature of settlement affects the reconciliation process.<\/strong> Some payment gateways (like Cashfree) provide real time reconciliation. <em>(more on this later<\/em>) In the case of instant settlements, reconciliation is much faster and efficient.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We will be discussing more on this topic but first, let\u2019s have a look at how payment reconciliation works.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reconciling_Your_Payment_Step_by_Step_Process\"><\/span>Reconciling Your Payment: Step by Step Process<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To understand the payment reconciliation process, we need to understand payment settlement. Thankfully, both of these tasks are effortless with payment gateway dashboards.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That being said, here is a step-by-step guide on reconciling your payment:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1) Customer selects a product and heads to checkout. They enter their card\/payment details.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2) The customer authenticates the transaction and the payment gateway securely communicates the information to Acquirer and back.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3) The payment gateways (PG) receive the money from their acquiring bank. Thereafter, the payment gateways credit funds in the business\u2019s merchant account. This is known as <strong>the settlement<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4) If the settlement is instant, the transactions are instantly and automatically updated. You can track settlements for all the transactions in one place: <strong>The Dashboard<\/strong>. All the settlements can be sorted by date and the merchants can check the standard and instant settlements.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5) Next, you can apply filters to get <strong>customized reports of transactions\/settlements<\/strong> done within a specific period of time. If the transaction is ongoing, the settlement status will be reflected as well.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">6) You can also check the settlement status for any specific transaction. Every transaction has a <strong>unique order ID.<\/strong> The settlement status can be processed or pending.<br><br><strong>Pro Tip:<\/strong> <a href=\"https:\/\/cashfree.com\/blog\/difference-between-payment-gateway-and-merchant-account\/?utm_source=reconciling_your_payment&amp;utm_medium=blog\">Difference between payment gateway and merchant account<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reconciling_Settlement_with_Transactions\"><\/span>Reconciling Settlement with Transactions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Now, most payment gateways offer a report model. Essentially, this means that you can download weekly or monthly reports and reconcile them. Each <strong>\u201csettlement report\u201d contains the list of transactions carried out within that settlement cycle<\/strong>. Now, each \u201csettlement report\u201d gives you insights into each transaction. For instance:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1) Date and time of the transaction<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2) Transaction amount<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3) Order ID which is unique to each and every transaction<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4) <a href=\"https:\/\/cashfree.com\/resources\/merchant-discount-rate?utm_source=reconciling_your_payment&amp;utm_medium=blog\">Merchant Discount Rate<\/a> charges on each transaction<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5) Net Settlement Amount i.e. the actual amount settled into the merchant\u2019s account<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">6) Date and time of settlement<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reconciling_Adjustments_in_Settlement_Cycles\"><\/span>Reconciling Adjustments in Settlement Cycles<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Furthermore,&nbsp; the settlement reports include the adjustment made in each settlement cycle. <strong>Adjustment is basically accommodation done in the next settlement cycle by the payment gateway.&nbsp;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For instance, let\u2019s assume that you sold two products of Rs. 100 each on February 1. So, after the payment processing, the payment gateway credits Rs. 200 in your merchant account.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, two weeks later, one of the customers returns the product. In that case, the payment gateway will refund Rs. 100 to the customer. Simultaneously, it will adjust these Rs.100 in the next settlement cycle and deduct it in that cycle. So, if the payment gateway is supposed to credit Rs. 1000 in your merchant account, it will only credit Rs. 900.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, what are the kinds of adjustments done in a payment settlement cycle? Here\u2019s what you need to know.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1) <strong>Fund Sweep-<\/strong> Amount which is settled in the business\u2019s merchant account.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2) <strong>Settlement Compute- <\/strong>The Total (Summation) of all transactions in the present settlement cycle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3) <strong>Refund-<\/strong> Refund initiated by the merchant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4) <strong>Dispute-<\/strong> Dispute against a transaction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5) <strong>Risk-<\/strong> Any transaction that is identified as a risk transaction.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reconciling_Refunds_and_Disputes\"><\/span>Reconciling Refunds and Disputes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Did you know that <a href=\"https:\/\/www.shipbob.com\/blog\/ecommerce-returns\/\" rel=\"nofollow\">92% of shoppers<\/a> choose to shop again if the refunds process is easy? Evidently, a quick and reliable refunds policy is central to customer retention. However, reconciling refunds can be quite a task.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, processing refunds through a payment gateway can make the task a whole lot easier. Moreover, reconciling refunds is a breeze. All you have to do is click on <strong>Transactions &gt; Refunds.<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thereafter, you can reconcile refunds on the basis of their date and time, order ID and status. It will also give you details about the refund amount and payment method.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Reconciling_Your_Payment_with_Payment_Gateway\"><\/span>Reconciling Your Payment with Payment Gateway<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">According to <a href=\"https:\/\/www.statista.com\/statistics\/823218\/india-payment-gateway-market-value\/\" rel=\"nofollow\">reports<\/a>, the Indian payment gateway market will grow to 1.71 billion U.S. dollars. Naturally, a lot of merchants rely on payment gateways for their payment reconciliation. But what are the advantages of reconciling your payment with a payment gateway?<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"770\" height=\"403\" data-attachment-id=\"3839\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/guide2021-02\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-02.png?fit=5001%2C2617&amp;ssl=1\" data-orig-size=\"5001,2617\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Guide2021-02\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-02.png?fit=770%2C403&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/07\/Guide2021-02-1024x536.png?resize=770%2C403&#038;ssl=1\" alt=\"Reconciling Your Payment\" class=\"wp-image-3839\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-02.png?resize=1024%2C536&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-02.png?resize=300%2C157&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-02.png?resize=768%2C402&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-02.png?resize=1536%2C804&amp;ssl=1 1536w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/Guide2021-02.png?w=2310&amp;ssl=1 2310w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Real-Time_Reconciliation\"><\/span>Real-Time Reconciliation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/cashfree.com\/blog\/payment-processing\/?utm_source=reconciling_your_payment&amp;utm_medium=blog\">Online payment processing<\/a> involves a lot of players. This means that any delayed response from any player can result in delayed reconciliation. For instance, it is possible that the funds are deducted from the customer\u2019s account but they couldn\u2019t reach the business merchant account. This can increase payment uncertainty and disrupt business forecasting. This is where real time reconciliation comes in.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reconciling your payment in real-time will allow you to get the <strong>definite status of transaction status<\/strong>. This eliminates the uncertainties attached to payment delays.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now, real time payment reconciliation is especially important for businesses offering dynamic prices. For instance, the ticket charges for airlines can vary according to the time of booking. Now, let\u2019s assume you are a travel agency. It is only possible for you to proceed with the booking if you get a payment confirmation. With real time reconciliation, you can get payment confirmation anytime between 10 minutes to 1 day.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, how do payment gateways help with real time payment reconciliation?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1. For starters, merchants get the immediate status of each transaction.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. Payment gateway automatically refunds the money to the customer in case of failed transactions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3. Merchants do not have to pay TDR charged for unsuccessful transactions.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Payment_Analytics\"><\/span>Payment Analytics<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">One thing is true for all established and growing businesses alike. <strong>Scalability and business growth depend on current cash flow<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now, payment gateways have detailed payment analytics and reporting capabilities. Hence, they help businesses make educated decisions. For instance payment gateway dashboards can give you the following insights.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1. Payment volume<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. Payment modes- net banking, cards, UPI, wallets etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3. Platforms (iOS, Android)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4. Date and time of payment<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now, these insights can also help you make marketing decisions. For instance, if UPI is the preferred payment mode of payment, you can offer special discounts on the same. This can also reduce cart abandonment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Automation_of_Reconciliation\"><\/span>Automation of Reconciliation<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">One of the biggest pros of reconciling your payment through a payment gateway is automation. There is almost <strong>no space for manual error<\/strong>. Moreover, merchants can filter transactions on the basis of their transaction status and many other variables. Furthermore, all the refunds and vendor payments can be easily accommodated in a single settlement cycle.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"User_Friendly\"><\/span>User Friendly<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Above all, payment gateways make reconciling your payment a breeze. Merchants can view every transaction with a unique reference ID. Moreover, details like time of settlement, transaction amount, MDR are easily available. Most importantly, the <strong>dashboard acts as the platform with all the consolidated information <\/strong>on every settlement cycle, refunds, vendor payments, payment link transactions, etc.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lastly, payment gateways might have dedicated account managers and features like live chat. They can help you with your payment reconciliation in case of doubts or errors.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/merchant.cashfree.com\/merchants\/signup?utm_source=reconciling_your_payment&amp;utm_medium=blog\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"770\" height=\"129\" data-attachment-id=\"3836\" data-permalink=\"https:\/\/blogrevamp.cashfree.com\/reconciling-your-payment\/pa-trynow-1-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/PA-TryNow-1.png?fit=1200%2C200&amp;ssl=1\" data-orig-size=\"1200,200\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"PA-TryNow-1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/PA-TryNow-1.png?fit=770%2C129&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/cashfree.com\/blog\/wp-content\/uploads\/2021\/07\/PA-TryNow-1-1024x171.png?resize=770%2C129&#038;ssl=1\" alt=\"\" class=\"wp-image-3836\" srcset=\"https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/PA-TryNow-1.png?resize=1024%2C171&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/PA-TryNow-1.png?resize=300%2C50&amp;ssl=1 300w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/PA-TryNow-1.png?resize=768%2C128&amp;ssl=1 768w, https:\/\/i0.wp.com\/blogrevamp.cashfree.com\/wp-content\/uploads\/2021\/07\/PA-TryNow-1.png?w=1200&amp;ssl=1 1200w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQS_on_Reconciling_Your_Payment\"><\/span>FAQS on Reconciling Your Payment<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_3_types_of_reconciliation\"><\/span>What are the 3 types of reconciliation?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Here are the three main types of reconciliation:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1) <strong>Bank reconciliation<\/strong>&#8211; Cross-checking the business book of accounts to the bank account statements. Regular bank reconciliation helps ensure that there are no missed payments, theft or mistakes due to human errors affecting the transactions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2) <strong>Vendor Reconciliation- <\/strong>Matching the vendor\u2019s statements with the account payable to the vendor.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3) <strong>Custom Reconciliation<\/strong>&#8211; Cross-checking the customer\u2019s outstanding balance to account receivables to ensure there are no inaccuracies. It also helps identify any fraud related to account receivables.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_high_risk_reconciliation\"><\/span>What is high risk reconciliation?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">High risk reconciliation is associated with high risk merchants. Basically, high risk transactions have higher chances of dispute or chargebacks. Banks or the payment gateway can mark a transaction as high risk. Consequently, the settlement to such a merchant is put on hold until the issue is resolved. Naturally, this leads to a delay in the payment reconciliation process and hence, they are termed as high risk reconciliation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A merchant can be high risk because of its industry or the low financial credibility of its past transactions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_a_POS_reconciliation\"><\/span>What is a POS reconciliation?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">POS reconciliation is basically cross-checking accounts to ensure that the money spent is equal to the money leaving the POS account. It helps eliminate accounting errors and help identify any unauthorized transactions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_General_Ledger_in_banking\"><\/span>What is General Ledger in banking?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A general ledger is a way for business to track their financial accounts. The ledger may include all their income, expenses or revenues. Usually, large businesses combine the payment analytics provided by payment gateway with sophisticated ERP systems for accounting.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_5_types_of_accounts\"><\/span>What are the 5 types of accounts?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The five major categories of accounts included in the general ledger are liabilities, assets, revenue, expenses and equity.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This guide explains how you go about reconciling your payment. It provides a step-by-step process of reconciling your settlements, adjustments and refunds and disputes. Here\u2019s a fact you might find interesting.&nbsp; The global eCommerce market will touch USD 4.89 trillion in 2021. That means there are USD 4.89 trillion of funds that will need to<\/p>\n","protected":false},"author":17,"featured_media":3756,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_themeisle_gutenberg_block_has_review":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[1],"tags":[1475],"class_list":["post-3752","post","type-post","status-publish","format-standard","has-post-thumbnail","category-all","tag-reconciling-your-payment"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Reconciling Your Payment: The Ultimate Guide<\/title>\n<meta name=\"description\" content=\"This guide explains how you go about reconciling your payment, settlements, adjustments and refunds. 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