Order to Cash

Reconcile every payment
from POS to PSP to bank to ERP

AI-powered payment reconciliation for retail, e-commerce, restaurants and high-volume transaction businesses.

Book a demo See how it works
POS / Orders→PSP→Settlement→Bank→ERP
Example settlement
Gross captured payments$1,000,000
Refunds($20,000)
Chargebacks($5,000)
Processing fees($18,000)
Other adjustments($2,000)
Expected settlement$955,000

What payment reconciliation has to prove

Payment reconciliation ties each payout back to the orders behind it: the checkout total, the processor's settlement file, the money that reached the bank, and the entries in the ledger. A match at the summary level is not a reconciliation. The four systems below each hold a different version of the same day.

One transaction passes through multiple systems

A $100 customer payment does not always become a $100 bank deposit. Between the sale and the bank there can be:

Processing fees, refunds and chargebacks
Failed or reversed transactions
Currency conversion and settlement adjustments
Many transactions grouped into one payout

How the Payment Reconciliation Agent works

It reconciles transactions across POS systems, payment processors, settlement files, bank accounts and the ERP.

Step 1
POS sale$149.50
PSP captured$145.50
Amount mismatch
POS to PSP
Matches each sale to the PSP transaction by order ID, transaction ID, amount and date.
Step 2
PaymentsRefundsFeesChargebacks
Expected payout$955,000
PSP to settlement
Rebuilds each settlement batch to show how the processor arrived at the payout.
Step 3
PSP settlement$955,000
Bank deposit$955,000
Reconciled
Settlement to bank
Matches payouts to bank deposits and separates timing differences from real exceptions.
Step 4
Cash
Fees and refunds
Chargebacks
Recorded in ERP
Bank to ERP
Checks that cash, fees, refunds and chargebacks are recorded correctly in the general ledger.

Automatically explain the payment waterfall

ChatFin shows how the money moved, so finance can see which differences are explained and which need attention.

Exception: A $2,450 POS payment does not match the PSP.$2,450 was captured. A $500 partial refund was processed two days later. The remaining $1,950 was included in PSP settlement #84729 and deposited on September 14.
Payment waterfall
POS sales$12.40M
Captured by PSPs$12.38M
Refunds, chargebacks, fees, adjustments($380K)
Expected settlements$12.00M
Received in bank$11.95M
Settlements in transit$50K
Reconciled to ERP$11.95M

Exceptions ChatFin identifies

Missing PSP transactionIn the POS, not at the processor
Missing POS transactionAt the processor, no matching sale
Amount mismatchPOS and PSP amounts differ
Duplicate transactionTwo charges for one sale
Refunds and chargebacksPartial or full
Settlement timing differencePayout not yet in the bank
Missing bank depositSettlement never arrived
Incorrect GL postingRecorded wrong in the ERP

Keep humans in control

Not every difference should be resolved automatically. Your team sets the approval thresholds and decides what the agent can do on its own.

Automatically reconciled
Explained exceptions
Review required
Daily reconciliation
Rules by PSP, store or entity
Drill down to each transaction

Connect to your existing payment and finance systems

ChatFin works as the reconciliation layer, so your payment setup stays as it is. Data comes in through APIs, reports, SFTP or CSV files.

Store POSE-commerceOrder management PSPs and gatewaysMerchant acquirersBank feeds SAPOracleNetSuite Microsoft DynamicsAcumatica

One continuous reconciliation from sale to general ledger

Did every dollar collected from the customer reach the bank, or have a documented reason why it didn't?

ChatFin answers that for every transaction, every day. Finance only reviews the exceptions that need a decision.

Cash application Bank reconciliation Marketplace settlements All use cases
$2,450 payment, tracedReconciled
Customer sale$2,450
POSRecorded
PSPCaptured
Settlement #84729$1,950 after refund
BankDeposited Sep 14
ERPPosted to GL

See ChatFin in action

01
Live agent execution
02
Your ERP, your data model
03
Built around your pain points
04
Open Q&A with our architects
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