Card and payment-processor settlement reconciliation
Reads processor payout reports, sales records, bank statements. Produces matched payouts, fees booked, disputes listed. Code works out every figure, the Judgement Engine answers the narrow questions, and whatever stays uncertain goes to a person.
Narrow questions, each with a check behind it.
Which sales a payout covers; fee and chargeback lines
Proven by code: gross − fees = payout. Code proves the answer from the data itself: totals tie, a match is exact, the quote is on the document. Most of these judgements settle without a person.
| Reads | Processor payout reports, sales records, bank statements |
| Produces | Matched payouts, fees booked, disputes listed |
| Who signs | A person on your team, with every figure traced to its document and every call on record |
| Process | Reconciliation and matching |
| Industry | Finance and accounting |
Every line, decided where it's safest.
An example run. Each stage lights up as a line is decided there; pick a stage to see its lines.
| Date | Payout line | Amount | Decided by |
|---|---|---|---|
| 02.09 | PAYOUT 0902 · 214 card salesGross less fees ties to the payout, to the cent | 18,402.60 | Code · tied |
| 02.09 | FEE ADJ 0902Processing fee correction · 0.95 · rate × volume agrees | −42.15 | Engine · proven |
| 03.09 | CHARGEBACK CB-7781Dispute on order 55120 · 0.93 · order found, amount equal | −89.00 | Engine · proven |
| 04.09 | PAYOUT 0904 · 198 card salesGross less fees ties to the payout | 16,975.20 | Code · tied |
| 05.09 | RESERVE HOLDRolling reserve or a withheld payout? No proof either way | −2,500.00 | To a person |
|
Settled 4
To a person 1
Settled wrong 0
| |||
Your volumes in. Your hours out.
In our tests, between 24% and 42% of items still went to a person after tuning. Set your own share; a pilot measures it on your data.
Start from what's closest.
Reconciliation and matching in other work
Bank reconciliation
Which ledger entry a bank line is; why a line is unmatched
FinanceIntercompany reconciliation
Which entries are the two sides of one transaction
FinancePayroll reconciliation
Which payroll totals tie to GL and bank; why not
More for finance
What buyers ask
What happens when Sumarity isn't sure?
Nothing settles below the cutoff, or when the check disagrees. The item goes to a person in the inbox with what the engine saw, its best answer and the runner-up. The person's ruling is kept and tunes the next run.
How are its judgements checked?
Code proves the answer from the data itself: totals tie, a match is exact, the quote is on the document. Most of these judgements settle without a person.
Can we change it to fit how we work?
Yes. Start from this workflow and describe your differences in plain words. The design assistant revises it, the validator checks it, your expert reviews it on the canvas, and your admin publishes it.
Does it read our files as they are?
Yes: spreadsheets and CSV in any layout, PDFs, bank formats and e-mail attachments. Sumarity suggests how each column maps, proves the mapping on a sample and remembers it once a person confirms it.
Where does our data go?
Sumarity runs in Zurich. Your data, backups and logs are stored in Switzerland.
How does it get better?
Your team's rulings become an answer key. Better questions and cutoffs are proposed, tested on data they haven't seen, and published only when your admin approves. It improves itself, with permission.
Start from this workflow. Run it on your data.
A pilot runs alongside your own process for a few weeks, at our cost, and ends in a line-by-line comparison.