§ 1
In brief
The company
Sales record
count and turnover from the tills or orders
The acquirer
Settlement report
turnover, fee, refunds, net
The bank
Credit to the account
amount and value date
One business day
One status per batch
A person closes each difference; the decision is recorded.
- Three records
- The sales from the tills or orders, the acquirer’s report, and the bank credit.
- Differences
- Not reported, not credited, a short credit, a fee or turnover difference. Rounding is not a difference.
- The fee check
- The report’s lines by issuing bank and card type are priced under the agreement and compared with the fee charged.
- A person closes
- Each difference is accepted, claimed, written off or corrected by a person, and the decision is recorded.
§ 2
In detail
2.1
A settlement batch and its three records
A settlement batch is one acquirer’s settlement for one unit and one business day: a store’s card payments at the tills, the online shop’s card payments, the day’s bonus points. Three records describe it, each from its own source:
- The sales record — what the company’s till system or order system counted: the number of payments and the turnover.
- The acquirer’s report — the turnover, the fee, the refunds and chargebacks netted, the net amount, the value date, and a breakdown by issuing bank and card type.
- The bank credit — what arrived on the account: the amount, the value date and the payment reference.
Each record arrives as a fact in the batch’s own record. Nothing is typed in or overwritten: a late report or a corrected credit is one more fact.
Demo scene 1
A store’s day in three records
The sales record, the acquirer’s report and the bank credit of one batch. Read each line across the three columns.
Yarmarok Hyper · Odesa, Fontanska Rd · Acquiring 1 · 24 Oct 2026
| Sales record | Acquirer’s report | Bank credit | |
|---|---|---|---|
| Payments | 4,580 | 4,580 | — |
| Turnover | ₴2,747,600.38 | ₴2,747,600.38 | — |
| Fee | ₴31,597.39 by the agreement | ₴31,597.39 | — |
| Refunds and chargebacks | — | ₴8,242.80 | — |
| Net | — | ₴2,707,760.19 | ₴2,707,760.19 |
| Date | 24 Oct 2026 | 25 Oct 2026 | 25 Oct 2026 |
2.2
What counts as a difference
A batch is compared field by field. Differences within the tolerance set for the company are rounding and are not reported. Each batch then has one status — the most urgent of what was found:
- Matched — all three records agree within the tolerance.
- Not reported — the day had sales, but no report came from the acquirer in time.
- Not credited — the acquirer reported a net amount, but nothing reached the account in time.
- Short credit — the bank credited a different amount from the one reported.
- Fee difference — the fee differs from what the agreement gives for the cards in the report.
- Turnover difference — the acquirer reports a different turnover from the company’s own sales record.
- Awaiting the report — the report is not yet due.
- Awaiting the credit — the credit is not yet due.
- Resolved — a person recorded a decision about the difference.
Demo scene 2
Batches by status, last 30 days
How many of the demo group’s batches have each status, and the difference they carry.
| Status | Batches | Difference |
|---|---|---|
| Matched | 678 | — |
| Fee difference | 30 | ₴113,226.19 |
| Turnover difference | 2 | -₴10,856.97 |
| Not credited | 1 | -₴11,959.50 |
| Short credit | 1 | -₴1,250.00 |
| Not reported | 1 | -₴688,834.17 |
2.3
Checking the fees
A blended rate is easy to check. IC++ and on-us clauses are not: the fee depends on every card. Because the acquirer’s report breaks the day down by issuing bank and card type, the platform prices every line under the agreement — the same calculation that prices a payment for routing — and compares the total with the fee the bank kept.
Demo scene 3
The fee check, line by line
A batch whose fee differs from the agreement for the cards in the report. The largest lines of the report are shown; the line under the table compares the totals.
Yarmarok Hyper · Kharkiv, Nauky Ave · Acquiring 2 · 19 Oct 2026
| Issuing bank | Scheme · product | Payments | Turnover | Fee reported |
|---|---|---|---|---|
| Bank 1 | visa · debit | 904 | ₴497,309.79 | ₴10,542.97 |
| Bank 2 | mastercard · debit | 697 | ₴383,543.86 | ₴1,917.72 |
| Bank 5 | visa · debit | 409 | ₴224,877.77 | ₴4,767.41 |
| Bank 6 | mastercard · debit | 303 | ₴166,838.84 | ₴3,536.99 |
| Bank 1 | visa · credit | 215 | ₴118,243.04 | ₴1,442.57 |
| Bank 2 | mastercard · credit | 196 | ₴107,571.80 | ₴537.86 |
| Bank 3 | visa · debit | 181 | ₴99,746.22 | ₴2,114.62 |
| Bank 5 | visa · credit | 119 | ₴65,647.72 | ₴800.91 |
and 16 more lines
Provider’s fee: by the agreement ₴20,880.09 → in the report ₴29,779.04 (+₴8,898.95)
2.4
Online payments and bonus points
For online payments the platform knows each payment it carried, so what a batch should hold comes from those payments. Refunds and lost disputes are netted by the bank in a later batch, and the report says by how much. Bonus points are settled the same way through the company’s bonus system: a tender like any other, with no money moving.
2.5
A person closes a difference
A difference is closed by a person’s decision — accepted, claimed from the acquirer, written off or corrected — recorded with the amount, the reason and the role. The batch keeps its whole history. The reconciliation agent groups fee differences by acquirer into one claim and proposes it; the finance controller decides.
Demo scene 4
A claim waiting for a decision
A proposal of the reconciliation agent with its evidence.
Acquiring 2: fees above the agreed terms
30 batches from 2026-10-14 to 2026-10-19 were charged ₴113,226.19 more than the terms give for the cards in them. The breakdown shows debit cards priced as corporate cards.
- stl_acq-2_rt-eas… · Yarmarok Hyper · Kharkiv, Nauky Ave, 2026-10-19: +₴8,898.95
- stl_acq-2_rt-eas… · Yarmarok · Dnipro, Yavornytskoho Ave, 2026-10-19: +₴3,236.79
- stl_acq-2_rt-eas… · Yarmarok · Zaporizhzhia, 2026-10-19: +₴2,740.62
- stl_acq-2_rt-eas… · Yarmarok Poruch · Poltava, 2026-10-19: +₴838.14
- stl_acq-2_rt-eas… · Yarmarok · Kharkiv, Saltivka, 2026-10-19: +₴2,538.56
- stl_acq-2_rt-eas… · Yarmarok Hyper · Kharkiv, Nauky Ave, 2026-10-18: +₴9,597.57
Proposes: raise a claimneeds a personRaise a claim with Acquiring 2 for ₴113,226.19, with the batches and their breakdown attached.
waiting for a person2.6
Into accounting
The platform sends the reconciled batches and their postings to the company’s accounting system: turnover, fee, refunds and net per bank and unit, with the batch reference. The accounting system stays the book of record, and planning stays there too. The same facts feed a data warehouse; each carries its batch, unit and source, so a report can be traced back to the bank’s file.
§ 3