Cred Marketplace Reconciliation Automation

Cointab helps finance teams reconcile Cred marketplace data against internal records, so they can review orders, payments, refunds, settlements, and fee deductions in one structured workflow. Instead of comparing files manually in Excel, teams can upload reports, map the required fields once, run reconciliation, and review matched, partially matched, unmatched, and skipped records in an audit-ready report.

Why Cred marketplace reconciliation matters

For sellers using Cred Marketplace, the finance team usually needs to verify more than just whether an order was paid. They also need to check whether the marketplace settlement is correct, whether refunds were applied properly, and whether the fees deducted by Cred match the agreed rate card or fee structure.

That creates a recurring reconciliation task across multiple files and time periods. When the process is handled manually, it can be difficult to track differences consistently, especially when order references, settlement references, and fee lines do not line up exactly across systems.

Cointab provides a reusable reconciliation setup that helps teams compare internal records with Cred reports in a transparent way. The result is a clear view of what matched, what did not match, and what needs review.

What you can reconcile with Cred reports

A Cred marketplace reconciliation workflow can be configured to compare several related files and data sets, including:

• Internal sales or order data on Side A
• Cred payment or settlement files on Side B
• Cred refund files for return and reversal checks
• Fee card or rate card data for charge verification
• Supporting files such as order metadata, mapping files, or customer master data

This makes it possible to handle both transaction reconciliation and fee verification in one workflow.

Side A and Side B in this workflow

Cointab uses a Side A and Side B model so finance teams can keep the reconciliation logic clear.

Side A: your records

Side A usually contains the records your business expects to be correct, such as:

• Internal order report
• Sales report
• OMS export
• ERP export
• Ledger or receivables report

Side B: Cred records

Side B usually contains the records received from Cred, such as:

• Payment or settlement file
• Refund file
• Fee or deduction details
• Any report used to confirm net settlement values

The same reconciliation can be reused for future periods once the file structure and mapping are set.

How the reconciliation workflow works

Cointab follows a structured process that finance teams can review and reuse.

1. Upload the required files
   The team uploads Cred reports and the corresponding internal files, or configures automated data input where needed.

2. Map the key fields
   Users map date, amount, and identifier columns such as order ID, transaction reference, settlement ID, or payment reference.

3. Add supporting data if required
   Optional files can be added to enrich the data, complete missing fields, or prepare values for comparison.

4. Create derived columns when needed
   If a field needs cleanup or calculation, users can create derived columns, including formula-based fields generated with AI assistance.

5. Run reconciliation
   Cointab applies structured matching logic to compare both sides.

6. Review the report
   The dashboard shows matched, partially matched, unmatched, and skipped records, along with filters and transaction-level detail.

How Cointab handles fee verification

Cred marketplace reconciliation is often not only about whether a payment was received. It is also about checking whether the fee deducted by Cred matches the expected amount.

Cointab supports this by letting finance teams compare the actual charge against the expected charge calculated from the rate card or fee structure. This helps teams identify:

• Correctly charged items
• Overcharged fees
• Undercharged fees

If the fee logic depends on order status, settlement logic, or other business rules, users can create derived columns to calculate the expected amount before reconciliation.

What the report shows

After the run is complete, the reconciliation report gives finance teams a clear breakdown of the results.

Fully matched

These are records where the relevant identifiers and amounts match according to the configured logic.

Partially matched

These are records where the identifiers match, but the amounts differ. This is useful when a transaction is related but needs review because the settlement amount, refund amount, or fee amount does not align exactly.

Unmatched

These are records present on one side but not found on the other side. For a Cred use case, that may mean:

• Present in internal records but missing in Cred
• Present in Cred but missing in internal records

Skipped

These are rows that were excluded from reconciliation because they were incomplete, invalid, or unusable. Skipped records remain visible so the team understands why they were ignored.

Why finance teams use Cointab for this use case

This use case is a good fit for Cointab because it helps teams move from manual spreadsheet work to a repeatable reconciliation workflow.

Key benefits include:

• Reusable setup: configure the Cred reconciliation once and reuse it for future periods
• Structured matching: compare identifiers and amounts consistently across runs
• Exception focus: review only the open items instead of checking every row manually
• Audit-ready reporting: download Excel reconciliation reports for internal review or audit support
• Manual match support: handle one-off exceptions where business context is required
• Missed file refresh: upload a late file under the same reconciliation and refresh the report
• Automation options: schedule recurring runs and use email, SFTP, or API-based data flow where needed

When AI helps in the workflow

Cointab also uses AI in a practical, finance-friendly way. It can help users create derived columns from plain-language instructions and analyze difficult open items after structured matching is complete.

That is especially useful when Cred references are inconsistent, when order descriptions are not standardized, or when the reason for an unmatched item is not obvious from the raw file alone.

AI is used to assist the review process, not to replace it. If the evidence is not strong enough, the item remains open for review.

A better way to manage recurring Cred reconciliation

For finance teams that handle marketplace settlements regularly, the main advantage is consistency. The same reconciliation logic can be reused across periods, the same report structure can be reviewed by multiple team members, and the same exceptions can be tracked in a shared workspace.

That makes Cred marketplace reconciliation easier to manage across month-end close, partner follow-up, and audit preparation.