Substantiate payment aggregator escrow balances for audit

For a PA with an applicable escrow obligation, reconcile bank balances to merchant liabilities, permitted debits and open settlement breaks. Finance prepares traceable schedules for the statutory auditor to certify before authorised submission.

An invoice arrives or an accepted milestone is ready for billing.

People in the process

PPA FinanceProcess Owner
SSettlement OperationsParticipating Team
EEscrow BankParticipating Team
AAuditorParticipating Team

Records it works with

Signed contract and approved variations
Invoice, order and applicable tax details
Acceptance, measurement or delivery records

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.

Settlement & Disputes

Explain merchant settlement breaks before approving correction

Join captured transactions, refunds, chargebacks, fees and bank credits to explain a PA merchant payable. Operations approves the ledger correction or partner query after reconciling the exception, preserving who owed what.

FAM

Settlement & Disputes

Defend chargebacks with transaction and fulfilment evidence

Gather authorisation, merchant order, delivery or service proof and refund history against the network reason code. Disputes specialists decide whether to represent, accept or seek merchant recovery within the scheme process.

MAC

Settlement & Disputes

Reconcile partner fees to signed transaction economics

Apply rate tables, slabs, reversals and taxes to processed volumes; expose fee disagreements and contract changes before finance accepts the partner invoice or passes charges to merchants.

Explore all Fintech & payments processes.

Order for the work. Room for the people.