Popular reconciliation template
Sales vs PG vs Bank Reconciliation
Reconcile sales, payment gateway reports, and bank statements to match orders, payments, refunds, fees, settlements, bank credits, and open items in one structured workflow.
View demo reportReconcile sales, payment gateway settlements, and bank credits
Sales, payment gateway, and bank reports often show the same payment journey at different stages. Cointab helps bring these into a clear reconciliation report.
The Sales vs PG vs Bank reconciliation helps finance teams compare internal sales or order records with payment gateway transactions, settlement reports, and actual bank credits.
This helps finance teams answer questions such as:
- Which sales orders were successfully paid?
- Which paid transactions were settled by the payment gateway?
- Which payment gateway settlements were received in the bank?
- Which sales are missing from payment gateway reports?
- Which payment gateway transactions do not have matching sales?
- Which settlement or payout entries do not match bank credits?
- Which refunds, fees, deductions, or chargebacks explain the difference?
- 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, marketplace platforms, finance teams, and accounting teams that need a repeatable sales-to-bank reconciliation process.
Required files for this template
Cointab's ready-made workflow is designed around common sales, payment gateway, settlement, payout, refund, and bank statement reports used for end-to-end payment reconciliation.
| Data source | Example records |
|---|---|
| Sales / Order Report | Used as the internal source-of-truth report containing order IDs, invoice numbers, customer details, sales amounts, order status, payment status, and expected payment values. |
| Payment Gateway Transaction Report | Used to compare sales records with payment gateway transactions such as successful payments, failed payments, refunds, chargebacks, and payment references. |
| Settlement / Payout Report | Used to compare payment gateway transactions with settlement batches, payout records, settlement IDs, payout dates, and net settlement amounts. |
| Bank Statement | Used to compare expected payment gateway payouts with actual bank credits, bank dates, value dates, UTRs, transaction references, and received amounts. |
| Refund / Chargeback Report | Optional, but useful where refunds, failed transactions, reversals, chargebacks, or payment adjustments need to be reconciled separately or enriched into the workflow. |
| Internal Books / ERP Report | Optional, but useful if the finance team also wants to compare sales, payment gateway, and bank data with accounting, ERP, or ledger records. |
| Supporting Data | Optional supporting files can be used for customer mapping, order metadata, payment method mapping, tax mapping, fee logic, settlement mapping, bank reference mapping, or other enrichment. |
What Cointab matches in Sales vs PG vs Bank reconciliation
Cointab compares sales, payment gateway transactions, settlement records, payout data, bank credits, refunds, fees, deductions, and optional ERP data across reports.
Sales and payment transactions
Match internal sales, order, or invoice records with corresponding payment gateway transactions.
Successful payments
Identify whether each internal sale has a successful payment recorded in the payment gateway report.
Refunds and chargebacks
Identify whether refunds, reversals, chargebacks, failed payment adjustments, or cancellations are correctly reflected in payment gateway and sales records.
Fees and deductions
Track payment gateway fees, processing charges, taxes, chargeback fees, settlement deductions, or other adjustments where available.
Gateway settlements and payouts
Compare payment gateway transactions with settlement batches, payout records, and net settlement amounts.
Bank credits
Compare payment gateway payouts with actual bank statement credits.
Sales-to-bank journey
Trace whether each sale moved from internal order record to payment gateway transaction, then to settlement, and finally to bank credit.
Internal records, if added
If ERP, books, or ledger data is included, Cointab can compare sales, payment, and bank records against internal accounting records.
Common Sales vs PG vs Bank reconciliation exceptions
Cointab helps finance teams focus on payment and bank differences instead of manually reviewing every sales, gateway, settlement, and bank line.
Sale not found in payment gateway
A sale appears in the internal sales report but is not found as a successful payment in the payment gateway report.
Payment without matching sale
A payment gateway transaction appears without a clear matching order, invoice, or sales record.
Amount mismatch
The order ID, transaction ID, or payment reference matches, but the sales amount and gateway amount are different.
Refund or chargeback difference
A refund, reversal, chargeback, or failed payment adjustment appears on one side but not the other.
Fee or deduction difference
Gateway fees, processing charges, taxes, chargeback fees, or settlement deductions explain part of the payout difference.
Settlement not received in bank
A payment gateway settlement or payout is expected, but the matching bank credit is missing or delayed.
Bank credit without matching settlement
A bank credit appears without a clear matching payment gateway settlement or payout record.
Settlement timing difference
A payment belongs to one sales period but is settled or credited in the bank in a later period.
Duplicate or repeated entry
The same sale, payment, refund, settlement, or bank credit appears more than once or is included in multiple files.
Missing or unclear reference
Order ID, payment ID, settlement ID, payout reference, UTR, 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 sales, payment gateway, and bank reconciliation setup every period.
Select the template
Choose Sales vs PG 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 sales, PG, and bank reports
Upload the internal sales or order report, payment gateway transaction report, settlement or payout report, bank statement, and any required refund, chargeback, 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 sales, payment gateway, settlement, and bank 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 sales order matches one payment gateway transaction and one settlement or bank credit.
One-to-many
One sale maps to multiple payment, refund, fee, settlement, or bank records.
Many-to-one
Multiple sales or payment transactions are grouped into one gateway settlement or bank credit.
Many-to-many
Multiple sales, gateway, settlement, and bank records are grouped and compared together.
Partial matching
Identifiers match, but amounts differ.
Net and contra matching
Sales, refunds, chargebacks, fees, taxes, settlements, 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
- Payment gateway references are formatted differently
- Bank narration is messy
- Order IDs appear inside notes or description fields
- Settlement records are grouped by payout cycle
- Bank credits are grouped across multiple settlements
- Refund or chargeback records do not directly map to sales
- 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 Sales vs PG vs Bank reconciliation reports
Cointab gives your team a clear report showing which sales, payment gateway, settlement, and bank records matched, partially matched, remained unmatched, or were skipped.
Report categories
Fully matched
Sales, payment gateway, settlement, and bank records where identifiers and amounts match.
Partially matched
Records where identifiers match but amounts differ across sales, payment gateway, settlement, or bank data.
Unmatched in sales
Payment gateway or bank records that do not clearly match internal sales records.
Unmatched in payment gateway
Sales records that are not clearly found in payment gateway transaction reports.
Unmatched in settlement or payout
Payment gateway transactions that are not clearly found in settlement or payout records.
Unmatched in bank
Settlement or payout records that are not clearly found in bank statement credits.
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 Sales vs PG vs 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 sales, PG, and bank records
- Unmatched sales records
- Unmatched payment gateway records
- Unmatched settlement records
- Unmatched bank credit records
- Refund and chargeback differences
- Fee and deduction differences
- Settlement timing differences
- Bank credit differences
- Open items
- Suggested actions
- Excel reconciliation report
- Structured API output
View a Sales vs PG vs Bank demo report
See how Cointab presents Sales vs PG vs Bank output with matched, partially matched, unmatched, and skipped transactions.
Sales vs PG vs Bank Demo
Explore a sample report showing sales records, payment gateway transactions, settlement data, bank credits, refund differences, fee differences, and open items.
View demo reportExplore related payment, bank, and eCommerce reconciliations
Cointab supports other sales, payment gateway, bank, COD, and eCommerce reconciliation workflows.
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View templateBuilt for finance teams reconciling sales, payment gateways, and bank credits
This template is useful for teams that regularly reconcile sales orders, payment gateway transactions, settlements, payouts, bank credits, refunds, fees, and open items.
eCommerce brands
For brands reconciling website or app sales with payment gateway settlements and final bank credits.
D2C companies
For D2C teams that need to check whether customer payments moved from sales to payment gateway to bank correctly.
Online businesses
For online businesses that need a repeatable process to compare orders, payment reports, settlements, and bank deposits.
SaaS businesses
For teams reconciling online customer payments, refunds, gateway payouts, and bank credits.
Finance teams
For finance teams preparing end-to-end payment reconciliation reports for daily review, month-end close, reporting, and audit.
Accounting teams
For teams reconciling sales, receipts, gateway charges, bank credits, and ledger entries.
Payment operations teams
For teams reviewing failed payments, gateway exceptions, settlement delays, bank credit issues, and unresolved payment records.
Trusted by teams handling payment and bank reconciliation
Cointab is used by finance and operations teams that reconcile high-volume, multi-source transaction data across sales, payment gateways, banks, 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.”
Sales vs PG vs Bank FAQs
Start Sales vs PG vs Bank reconciliation
Use Cointab's ready-made Sales vs PG vs Bank reconciliation workflow to match sales, payment gateway settlements, bank credits, identify differences, review exceptions, and export audit-ready reports.
View demo reportReady-made workflow · Reusable every period · Manual upload and automation supported