Beyond processing
Reconciliation and fraud screening. Built into the account you take payments with.
Reconciling payments against your accounts, and deciding which transactions to screen out. Two problems that sit next to payments rather than in them.
A payment that does not reconcile is not really paid.
It has arrived, but somebody still has to work out which invoice it belongs to, and at the end of the month somebody has to explain the difference between what the bank says and what the books say. On a few hundred transactions that is an afternoon. On a few thousand it is a job.
Most of that work exists because the payment arrives without its reference attached. Fix that and the reconciliation mostly does itself, which is a duller answer than a dashboard but a considerably more useful one.
Reconciliation
The reference travels with the money.
Every payment we take carries the reference your system set, whether that is an invoice number, a job, a unit or a membership. It arrives against that reference rather than as an unmatched bank line, so it matches automatically in whatever you keep your books in.
Settlement is reported as a batch you can tie to a bank credit, with the fees itemised separately rather than netted off invisibly. That is the difference between a statement you can audit and a statement you have to trust.
- References carried end to end, so payments self-match
- Settlement batches that tie to a single bank credit
- Fees itemised, not netted off the gross
- Exports for the common accounting packages
- One partner across every channel
Fraud
Fraud screening you can tune
Every provider screens transactions. The difference that matters is whether you can see why something was declined and change the rule that did it. A screen tuned for a general merchant will decline perfectly good business for a solar installer taking a five figure deposit, or wave through exactly the pattern a ticketing site should worry about.
So the rules are set against how you actually trade, at onboarding, and they are visible. When a decline is wrong you can find out why the same day rather than guessing.
- Rules set against your trade, not a generic default
- Declines with a reason you can see
- 3-D Secure applied where it helps and skipped where it costs you
- Tokenisation and PCI DSS handled by us
- Chargebacks handled here, by a named person
Questions about reconciliation and screening
Reconciliation and fraud screening come with the account; they are how the payments layer should work rather than an upsell. Anything with a separate cost gets named and priced on the call, in writing, before you sign.
The reference and the settlement batch are the two things that make reconciliation work, and both are exported in formats the common packages read. Bring the name of your package to the call and we will tell you exactly what the flow looks like rather than promising a logo on a page.
Yes, and it is worth doing deliberately rather than reactively: a ticket release, a sale, a first big campaign. Tell your account manager and it is changed for that window.
Thirty minutes on your own numbers
Bring how you reconcile today and where the admin actually goes. We will tell you what changes and what does not.