SecurePay Payment Gateway Reconciliation

Cointab helps finance teams reconcile SecurePay payment gateway data against website orders, ERP exports, and bank statements in a structured workflow. Instead of comparing files manually in Excel, teams can upload their reports, map key fields once, run reconciliation, and review matched, partially matched, unmatched, and skipped transactions in an audit-ready report.

This is useful for businesses that process a large number of SecurePay transactions and need a repeatable way to track settlements, refunds, cancellations, and amount differences across internal and external records.

What you can reconcile with SecurePay data

A SecurePay reconciliation workflow usually compares two sides of finance data:

• Side A: your internal records such as website orders, ERP exports, books, or sales reports
• Side B: external records such as SecurePay settlement reports, refund reports, or bank statements

Common SecurePay reconciliation combinations include:

• SecurePay settlement report vs website order report
• Website order report vs SecurePay settlement report
• SecurePay settlement report vs ERP report
• ERP report vs SecurePay settlement report
• SecurePay settlement report vs bank statement
• Bank statement vs SecurePay settlement report

These workflows help teams identify whether a transaction was paid, refunded, cancelled, missing, short-settled, over-settled, or not yet received in the matching record.

Typical reports used in the workflow

Finance teams can use the relevant reports available for their SecurePay process, such as:

• Settlement reports
• Refund reports
• Website or order reports
• ERP exports
• Bank statements

Cointab lets users upload CSV, XLS, or XLSX files, map the required columns, and define identifiers such as order ID, transaction ID, payment reference, or any other business key used in the reconciliation process.

How SecurePay reconciliation works in Cointab

The workflow is designed to be reusable and transparent for finance teams.

1. Create a new reconciliation for SecurePay data.
2. Upload the required files on Side A and Side B.
3. Map date, amount, and identifier columns.
4. Optionally upload supporting data for lookups or enrichment.
5. Create derived columns if a cleaned or calculated field is needed.
6. Run reconciliation manually or on a schedule.
7. Review matched, partially matched, unmatched, and skipped records.
8. Download the reconciliation report for review and audit support.

The same reconciliation setup can be reused for future periods, which reduces repeat configuration work and keeps the process consistent across monthly or weekly runs.

Common SecurePay reconciliation scenarios

SecurePay vs website

This setup is useful when the business wants to compare SecurePay settlement data with internal website or order data.

Typical outcomes include:

• Transactions found and matched on both sides
• Amount recorded on the website is less than the SecurePay settlement amount
• Amount recorded on the website is more than the SecurePay settlement amount
• Transaction appears in SecurePay but not in the website report

Website vs SecurePay

This is the reverse view of the same process and is useful when the website report is treated as the primary source of truth.

Typical outcomes include:

• Fully matched orders and payments
• Underpaid or overpaid records
• Cancelled orders that appear in the website report but not in SecurePay settlement data
• Missing settlement records

SecurePay vs ERP

Finance teams often reconcile gateway activity with ERP records to align operational sales data with accounting entries.

Typical outcomes include:

• Matched transactions across SecurePay and ERP
• Amount differences between gateway and ERP data
• Records present in SecurePay but missing from ERP
• Records present in ERP but missing from SecurePay

SecurePay vs bank

This reconciliation helps confirm that the gateway settlement has reached the bank account and aligns with statement-level entries.

Typical outcomes include:

• Transactions found in both the bank statement and SecurePay data
• Transactions present in SecurePay but not in the bank statement
• Differences caused by timing, settlement delays, or missing entries

Exception handling for finance teams

Cointab separates transactions clearly so finance teams can focus on exceptions instead of reviewing every row manually.

The report highlights:

• Fully matched transactions where amount and identifiers align with the reconciliation logic
• Partially matched transactions where identifiers match but amounts differ
• Unmatched transactions present on one side but missing on the other
• Skipped transactions that could not be included because of missing data, invalid values, duplicates, or file issues

This makes it easier to investigate issues such as:

• Short or excess settlements
• Refunds not reflected in internal records
• Cancelled orders
• Missing gateway entries
• Unclear reference formats
• Timing differences between reports

Structured matching, not spreadsheet guesswork

Cointab’s reconciliation engine applies structured matching logic instead of relying on fragile Excel formulas or ad hoc filters.

It supports cases where:

• One transaction matches one transaction
• One transaction matches multiple records
• Multiple records need to be grouped and compared
• Amounts need to be netted before matching
• Identifiers appear in different fields or in slightly different formats
• Partial matches need to be reviewed rather than forced

If the system cannot confidently match a transaction, it can remain unmatched for review rather than creating a weak result.

AI support for difficult open items

For transactions that remain open after structured matching, AI can help finance teams review difficult cases more quickly.

Cointab uses AI to assist with:

• Creating derived columns from plain-English instructions
• Analyzing open transactions with unstructured references
• Suggesting possible reasons for mismatches
• Identifying whether a missing file or a timing difference may explain the exception

AI is used conservatively and keeps the reconciliation reviewable for finance teams.

Manual review and manual match

When a transaction cannot be matched automatically, users can manually review records and apply a manual match where the totals align.

This is helpful when:

• Partner data is incomplete
• A reference value is missing
• A one-off exception needs human review
• The business context is known to the finance team

Manual matches remain clearly marked in the report so the reconciliation trail stays auditable.

Reusable setup for recurring SecurePay runs

Once the SecurePay reconciliation is configured, the same workflow can be reused for future periods.

That means finance teams do not need to rebuild the setup every month. They can simply:

• Select the reconciliation
• Choose the period
• Upload the required files
• Run the reconciliation
• Review the report

This is especially useful for month-end close, daily settlement checks, and recurring payment gateway reporting.

Automation for recurring finance operations

For teams that handle SecurePay reconciliation regularly, Cointab can also support automated data flow through email, SFTP, or API integrations.

That allows reconciliation to move beyond manual file uploads and become part of the finance workflow.

Automation can help teams:

• Receive reports automatically
• Run reconciliation on a schedule
• Validate incoming files before processing
• Push output to downstream systems after completion
• Keep reports available on the dashboard for later review

Audit-ready reporting

Once reconciliation is complete, teams can review a dashboard that shows the reconciliation summary and transaction-level detail.

The report helps users see:

• Summary totals
• Fully matched records
• Partially matched records
• Unmatched records
• Skipped records
• Filters for deeper analysis
• Downloadable Excel output for internal review and audit support

This makes it easier for controllers, auditors, and finance managers to track what was matched, what remains open, and what action is required next.

Why SecurePay reconciliation matters

Payment gateway reconciliation is not just a back-office task. It affects cash visibility, revenue assurance, refund tracking, and month-end accuracy.

A structured SecurePay reconciliation process helps teams:

• Reduce manual spreadsheet work
• Spot missing or delayed transactions sooner
• Track refunds and cancellations more clearly
• Improve consistency across reporting periods
• Keep reconciliation history available in one workspace
• Support a cleaner financial close process

FAQs

What reports can be used for SecurePay reconciliation?

Common reports include SecurePay settlement reports, refund reports, website order reports, ERP exports, and bank statements. The exact combination depends on what the finance team wants to match.

Can SecurePay reconciliation be reused for future periods?

Yes. Once a reconciliation setup is configured, the same workflow can be reused for future periods without rebuilding the matching logic from scratch.

What happens when transactions do not match?

Cointab separates open items into partially matched, unmatched, and skipped categories so finance teams can focus on exceptions and review them in detail.

Can teams manually review unresolved SecurePay transactions?

Yes. Transactions that cannot be matched automatically can be reviewed manually, and manual matches can be applied when the totals and business context support it.

Can SecurePay reconciliation run automatically?

Yes. If the workflow is configured for automation, Cointab can receive or pull data through email, SFTP, or API and run reconciliation on a defined schedule.