Popular reconciliation template
Payment Gateway Settlement vs Bank Reconciliation
Reconcile payment gateway settlement reports with bank statements to match payouts, bank credits, fees, refunds, deductions, UTRs, and open items in one structured workflow.
View demo reportReconcile payment gateway settlements with bank credits
Payment gateway settlement reports and bank statements often show the same payout with different dates, references, deductions, UTRs, or narration. Cointab helps bring these into a clear reconciliation report.
The Payment Gateway Settlement vs Bank reconciliation helps finance teams compare payment gateway settlement or payout records with actual credits received in the bank.
This helps finance teams answer questions such as:
- Which payment gateway settlements were received in the bank?
- Which payouts are expected but not yet credited?
- Which bank credits do not have matching payment gateway settlement records?
- Which settlement amounts were reduced by fees, refunds, chargebacks, or deductions?
- Which payout references, UTRs, settlement IDs, or bank narrations match?
- Which settlements were credited in a different period?
- Which deposits are short, delayed, duplicated, or unclear?
- Which items need payment gateway follow-up, bank review, or internal correction?
This template is useful for eCommerce brands, D2C companies, online businesses, SaaS companies, payment-heavy finance teams, and accounting teams that need a repeatable payment gateway settlement-to-bank reconciliation process.
Required files for this template
Cointab's ready-made workflow is designed around common payment gateway settlement, payout, transaction, refund, fee, and bank statement reports used for settlement reconciliation.
| Data source | Example records |
|---|---|
| Payment Gateway Settlement / Payout Report | Used as the payment gateway-side report containing settlement IDs, payout references, settlement dates, gross amounts, fees, deductions, refunds, chargebacks, and net payout amounts. |
| Bank Statement | Used to compare expected payment gateway payouts with actual bank credits, bank dates, value dates, UTRs, transaction references, narration, and received amounts. |
| Payment Gateway Transaction Report | Optional, but useful where the finance team wants to trace settlement amounts back to underlying transactions, payments, orders, or customers. |
| Refund / Chargeback Report | Optional, but useful where refunds, chargebacks, reversals, failed payments, or payment adjustments need to be reconciled separately or enriched into the workflow. |
| Fee / Deduction Report | Optional, but useful where payment gateway fees, taxes, service charges, penalties, or other deductions are provided in a separate report. |
| Internal Sales / Order Report | Optional, but useful if the team wants to compare bank credits and payment gateway settlements with original sales or order records. |
| Internal Books / ERP Report | Optional, but useful if the team wants to compare payment gateway settlements and bank credits with accounting, ERP, or ledger records. |
| Supporting Data | Optional supporting files can be used for payment gateway mapping, settlement mapping, bank account mapping, fee logic, tax mapping, UTR mapping, payment method mapping, or other enrichment. |
What Cointab matches in payment gateway settlement-bank reconciliation
Cointab compares payment gateway settlement records with bank credits, payout references, UTRs, fees, refunds, deductions, chargebacks, and optional sales or ERP data across reports.
Settlement and payout records
Match payment gateway settlement IDs, payout references, settlement batches, and net payout records with bank statement credits.
Bank credits
Compare expected gateway payouts with actual credits received in the bank.
UTRs and references
Match records using UTRs, bank references, settlement IDs, payout IDs, transaction IDs, or narration fields.
Fees and deductions
Track payment gateway fees, processing charges, service charges, taxes, deductions, or adjustments where available.
Refunds and chargebacks
Identify whether refunds, chargebacks, reversals, or failed payment adjustments explain differences between settlement and bank amounts.
Settlement timing
Compare settlement dates, payout dates, bank credit dates, value dates, and reporting periods.
Gross-to-net movement
Review how gross transaction value moves to net settlement amount after refunds, fees, deductions, and adjustments.
Internal records, if added
If sales, ERP, books, or ledger data is included, Cointab can compare payment gateway settlements and bank credits against internal accounting records.
Common payment gateway settlement-bank reconciliation exceptions
Cointab helps finance teams focus on payout and bank differences instead of manually reviewing every settlement and bank transaction line.
Settlement not received in bank
A payment gateway settlement or payout appears in the settlement report but is not found as a matching bank credit.
Bank credit without matching settlement
A bank credit appears without a clear matching payment gateway settlement or payout record.
Amount mismatch
The settlement ID, payout reference, UTR, or date appears to match, but the settlement amount and bank credit amount are different.
Short settlement
The amount received in the bank is lower than the expected payment gateway payout.
Fee or deduction difference
Payment gateway fees, processing charges, service charges, taxes, or deductions explain part of the bank credit difference.
Refund or chargeback adjustment
Refunds, reversals, chargebacks, or failed payment adjustments reduce the settlement amount.
Settlement timing difference
A settlement belongs to one payment gateway period but is credited in the bank in a later period.
Duplicate settlement or bank entry
The same settlement, payout, or bank credit appears more than once or is included in multiple files.
Missing or unclear reference
Settlement ID, payout reference, UTR, transaction ID, or bank narration is missing, incomplete, or appears inside a description field.
Skipped record
A row cannot be reconciled because required data is missing, invalid, duplicate, incomplete, or unusable.
How this ready-made reconciliation works
Cointab pre-configures the workflow so your team does not need to rebuild the payment gateway settlement and bank reconciliation setup every period.
Select the template
Choose Payment Gateway Settlement vs Bank from popular reconciliations.
Select the period
Choose the day, week, month, quarter, year, lifetime period, or custom period you want to reconcile.
Upload settlement and bank reports
Upload the payment gateway settlement or payout report, bank statement, and any required transaction, refund, chargeback, fee, sales, ERP, or supporting files.
Validate file format
Cointab checks whether the uploaded files match the expected structure and highlights missing or incorrect columns.
Run reconciliation
Cointab applies predefined data preparation and matching logic for payment gateway settlement and bank statement data.
Review output
View fully matched, partially matched, unmatched, and skipped records.
Download or automate
Download the Excel report, or automate future data input and output through email, SFTP, or APIs.
Structured matching first, AI assistance for difficult cases
Cointab applies structured reconciliation logic first, then uses AI to help with difficult open transactions where fixed rules are not enough.
Structured matching
Structured matching can use:
Matching scenarios
One-to-one
One payment gateway settlement matches one bank credit.
One-to-many
One settlement maps to multiple bank credits, fee records, refund entries, or adjustment records.
Many-to-one
Multiple payment gateway settlements are grouped into one bank credit.
Many-to-many
Multiple settlement records and multiple bank entries are grouped and compared together.
Partial matching
Identifiers match, but amounts differ.
Net and contra matching
Settlements, refunds, chargebacks, fees, deductions, and bank credits are netted where required.
AI-assisted transaction matching
After structured rules run, AI helps match difficult open transactions where:
- References are incomplete
- Bank narration is messy
- Settlement references are formatted differently
- Payout IDs appear inside long description fields
- Multiple settlements are grouped into one bank credit
- Bank credits are split across multiple entries
- Refund or chargeback records do not directly map to settlements
- Amounts require contextual understanding
- Multiple possible matches exist
AI exception analysis
For transactions that remain open, AI can help identify possible reasons such as:
AI assists matching and exception review, but Cointab keeps reconciliation transparent, reviewable, and audit-friendly.
Audit-ready payment gateway settlement-bank reconciliation reports
Cointab gives your team a clear report showing which payment gateway settlements and bank credits matched, partially matched, remained unmatched, or were skipped.
Report categories
Fully matched
Payment gateway settlement and bank records where identifiers and amounts match.
Partially matched
Records where identifiers match but settlement amount and bank credit amount differ.
Unmatched in payment gateway settlement
Settlement or payout records that are not clearly found in the bank statement.
Unmatched in bank
Bank credits that do not clearly match payment gateway settlement or payout records.
Fee, refund, or deduction differences
Records where fees, refunds, chargebacks, or deductions explain part of the difference.
Skipped
Records excluded due to missing, invalid, duplicate, incomplete, or unusable data.
Report capabilities
- Summary cards
- Transaction-level details
- Filters for review
- Difference amounts
- Matched transaction drill-down
- Manual match
- Undo manual match
- Excel export
- Audit-friendly output
Automate recurring payment gateway settlement-bank reconciliation
Once this workflow is stable, Cointab can automate file input, reconciliation runs, and output delivery.
Bring data into Cointab
Data can be received or pulled through:
Run automatically
Schedule reconciliation:
Push output back
Send reconciliation output to:
- Matched payment gateway settlements and bank credits
- Unmatched settlement records
- Unmatched bank credit records
- Short settlement records
- Fee and deduction differences
- Refund and chargeback adjustments
- Settlement timing differences
- Duplicate settlement records
- Duplicate bank entries
- Open items
- Suggested actions
- Excel reconciliation report
- Structured API output
View a payment gateway settlement-bank demo report
See how Cointab presents Payment Gateway Settlement vs Bank output with matched, partially matched, unmatched, and skipped transactions.
Payment Gateway Settlement vs Bank Demo
Explore a sample report showing payment gateway settlements, bank credits, UTRs, payout references, fee differences, refund adjustments, short settlements, and open items.
View demo reportExplore related payment and bank reconciliations
Cointab supports other payment gateway, sales, settlement, bank, and finance reconciliation workflows.
Sales vs Payment Gateway
Reconcile internal sales or order records with PSP payments, refunds, settlements, and payouts.
View templateWebsite Sales vs Payment Gateway
Match website or app orders with payment gateway transactions and settlements.
View templateBank Statement vs Sales Receipts
Match bank credits with expected sales, collections, or receipt records.
View templateBank Statement vs Books
Compare bank statement entries with accounting, ERP, or books records.
View templateBank Statement vs ERP
Compare bank statement entries with ERP records, postings, and references.
View templateBuilt for finance teams reconciling payment gateway payouts with bank credits
This template is useful for teams that regularly reconcile payment gateway settlements, payout reports, bank credits, fees, refunds, deductions, and open items.
eCommerce brands
For brands reconciling payment gateway settlement reports with actual bank credits.
D2C companies
For D2C teams that need to check whether gateway payouts were received correctly in the bank.
Online businesses
For online businesses that need a repeatable process to compare gateway settlements, deductions, and bank deposits.
SaaS businesses
For teams reconciling subscription payment settlements, payout batches, refunds, and bank credits.
Finance teams
For finance teams preparing payment gateway settlement-bank reconciliation reports for daily review, month-end close, reporting, and audit.
Treasury teams
For teams reviewing bank credits, payout timing, short settlements, settlement delays, and cash visibility.
Accounting teams
For teams reconciling gateway settlements, bank entries, ledger postings, fees, and open balances.
Payment operations teams
For teams reviewing gateway-side exceptions, payout delays, settlement mismatches, and unresolved bank credit issues.
Trusted by teams handling payment gateway settlement and bank reconciliation
Cointab is used by finance and operations teams that reconcile high-volume, multi-source transaction data across payment gateways, banks, sales, marketplaces, partners, and internal systems.
“We have worked on many softwares but we love the ease of using cointab. The staff and support is very instant. They are approachable, proficient and patient. Team is very cooperative with the customisations. The experience of using cointab was nice.”
Payment Gateway Settlement vs Bank FAQs
Start Payment Gateway Settlement vs Bank reconciliation
Use Cointab's ready-made payment gateway settlement-bank reconciliation workflow to match payouts, identify bank credit differences, review exceptions, and export audit-ready reports.
View demo reportReady-made workflow · Reusable every period · Manual upload and automation supported