AJIO Marketplace Reconciliation for Finance Teams

AJIO sellers often manage multiple reports across orders, payments, returns, settlements, and bank credits. That makes marketplace reconciliation time-consuming, especially when teams still depend on Excel checks, manual comparisons, and repeated file preparation each period. Cointab helps finance teams reconcile AJIO data in a structured workflow so they can review matched, partially matched, unmatched, and skipped records with clarity.

Why AJIO marketplace reconciliation is complex

AJIO reconciliation usually involves comparing internal records with several external reports. Differences can appear because of timing gaps, returns, cancellations, fee deductions, settlement adjustments, or missing payout entries.

Common challenges include:

• Sales and payment records do not always arrive in the same format.
• Settlement values may differ from order-level amounts because of deductions or reversals.
• Returned or cancelled orders can affect the final payable amount.
• Bank credits need to be checked against settlement reports to confirm what was actually received.
• Teams may need to review thousands of rows across multiple reporting periods.

When these checks are done manually, it becomes harder to maintain consistency, track exceptions, and prepare audit-ready output.

How Cointab handles AJIO reconciliation

Cointab uses a Side A and Side B model so finance teams can compare the records they expect with the records received from AJIO and related systems.

Side A: your internal records

Side A usually includes the business records that serve as the internal source of truth, such as:

• Sales or order reports
• ERP or books exports
• Internal settlement working files
• Receivable or revenue records

Side B: AJIO and external records

Side B contains the external files used for comparison, such as:

• AJIO payment reports
• AJIO settlement reports
• AJIO return reports
• AJIO GST reports
• Bank statements

Users upload the required files, map key fields such as date, amount, and order or transaction reference, and then run reconciliation. Cointab then compares the records using structured matching logic.

Reports typically used in AJIO reconciliation

A practical AJIO reconciliation workflow often uses more than one report. Depending on the business process, teams may work with:

• Order report to capture order IDs, quantities, item values, and order status
• Payment report to track amounts paid, fee deductions, and payment references
• Return report to identify cancelled, returned, or reversed orders
• GST report to review tax-related values associated with transactions
• Settlement report to compare payable amounts against credits received
• Bank statement to verify whether the settlement amount actually reached the bank account

Supporting files can also be used when teams need lookup values, product mapping, fee calculation, or order enrichment before the reconciliation run.

What the reconciliation output shows

Cointab separates transaction results into clear buckets so finance teams can focus on exceptions instead of reviewing every line item manually.

Fully matched

These are records where the identifiers and amounts align according to the reconciliation rules. For AJIO use cases, this usually means the order or transaction has been matched correctly to the related payment or settlement record.

Partially matched

These are records where the system can identify a relationship between the two sides, but the amounts do not fully match. This is useful when the order reference matches, but the payable amount differs because of deductions, returns, fees, or short settlement values.

Unmatched

Unmatched records are present on one side but not found on the other. In an AJIO workflow, this may indicate a missing payment, a missing settlement line, an entry not yet received, or a record that needs follow-up.

Skipped

Skipped records are rows that were not included in reconciliation because they were incomplete, invalid, excluded by rule, or not usable for matching. Keeping skipped items visible helps finance teams understand what was ignored and why.

Bank reconciliation after AJIO settlement review

For many sellers, AJIO reconciliation does not end with payment matching. The next step is bank reconciliation.

Cointab can help teams compare the settlement amount expected from AJIO with the actual bank credit received. This helps identify cases such as:

• A settlement amount that is lower than expected
• A bank credit that is higher than the settlement value
• A bank entry that does not appear in the settlement report
• A settlement line that has not yet reflected in the bank account

This second layer of review is important for confirming cash movement and closing the loop between marketplace reporting and bank records.

Derived columns and AI assistance

AJIO reconciliation often requires data preparation before matching can begin. Cointab supports derived columns so teams can create calculated fields from existing data and reuse them in the workflow.

Examples include:

• Clean order ID
• Net amount after deductions
• Normalized reference number
• Refund amount as a negative value
• Combined matching key

Users can also use AI to generate Excel-style formulas from plain-language instructions. This is useful when the business logic is clear but manual formula writing is repetitive.

After structured rules run, AI can help review difficult open items where identifiers are incomplete, descriptions are inconsistent, or the matching pattern is not obvious. If the evidence is not strong enough, the record remains unmatched for review.

Reusable workflows for recurring AJIO periods

Once an AJIO reconciliation is configured, it can be reused for future periods instead of being rebuilt every month. Teams can run the same setup for monthly, quarterly, yearly, or custom periods.

This is useful when sellers need to repeat the same process across:

• Monthly marketplace closes
• Periodic settlement checks
• Return and refund reviews
• Bank reconciliation after payout receipt

If a file was missed, the same reconciliation can be updated with the missing file and the report can be refreshed.

Automation and report delivery

Cointab can support recurring reconciliation workflows where files are received or pulled automatically through email, SFTP, or API-based data flows. This reduces manual upload work for teams that handle AJIO reconciliation on a regular schedule.

After reconciliation is completed, the output can be reviewed in the dashboard and exported as an Excel report for internal review, partner follow-up, or audit preparation.

Why finance teams use Cointab for AJIO reconciliation

Cointab gives finance teams a structured way to manage AJIO marketplace data without relying on repeated spreadsheet work. The workflow is designed to make it easier to:

• Compare internal and external records consistently
• Separate matched and open items clearly
• Track underpayments, overpayments, and missing entries
• Review settlement differences alongside bank credits
• Maintain a reusable reconciliation process for future periods
• Keep reports available for dashboard review and audit support

Reconciliation history stays available

Each AJIO run remains visible on the dashboard with the files used, the period, the run status, and the report history. This makes it easier for finance teams to revisit prior reconciliations, understand what happened in a given period, and maintain a record of reviewable output across cycles.