Close daily settlement mismatches

Match transaction, refund and bank records; route breaks to the responsible partner.

The day’s transaction, refund, settlement and bank files are available.

People in the process

FFinanceProcess Owner
OOperationsParticipating Team
PPartner OperationsParticipating Team

Records it works with

Transaction and refund ledgers for the selected period
Partner settlement file and bank credit record
Approved fees, adjustments and prior open breaks

The process is a starting point.The standards are yours.

Configure for the entity’s actual role. Payment-aggregator, gateway and lending-partner obligations are distinct; the workflow must use the relevant permissions, partner contracts and reviewed requirements.

Keep the work connected.

Merchant Risk & Partner Onboarding

Approve merchant activation from a risk-ready file

For a payment aggregator, connect merchant identity, business model, settlement account and website checks to its applicable due-diligence tier. Route exceptions to risk and the acquiring bank where required before authorised activation.

OAC

Merchant Risk & Partner Onboarding

Reassess merchant changes before settlement terms drift

Link ownership, product category, website and bank-account changes to the signed merchant agreement and risk profile. Decide which rechecks and partner notifications are required before the PA changes live settlement instructions.

MAL

Merchant Risk & Partner Onboarding

Investigate merchant activity outside approved profile

Compare transaction patterns, refund levels and complaints with the merchant’s verified goods or services. Give the PA risk team a documented decision on limits, investigation or relationship action.

Explore all Fintech & payments processes.

Order for the work. Room for the people.