Payment reconciliation for platforms

Exceptions with an owner. Exports finance can trust.

Payment reconciliation flow — ledger, exceptions queue, provider side-by-side

You are not buying the word “orchestration.” You are buying a migration that does not break the platform. A second processor without a second project. A reconciliation view when support tickets arrive.

The Friday pile

Payments that “mostly work” still leave you with this:

Provider settlement does not match the platform ledger
A merchant was paid twice, or not at all
A refund landed on a different day than the capture
A return code has no owner
Finance exports need the one person who remembers the edge cases

That costs engineering time and support escalations. It also makes cutovers hard to defend. You cannot explain the unmatched items.

What we build

Ledger where cash moves. Insert-only double entry for the movements that have to balance. Posted once per idempotency key so retries do not create a second truth. Not every UI click needs a journal line. The ones that affect cash do.

Exceptions queue with a named owner. Unmatched items are a queue, not a spreadsheet in Downloads. Each item has a state, a reason, and an owner. Run means someone operates that queue after go-live.

Side by side with the provider. Reconciliation compares to the provider record. Your business identifiers travel end to end so settlement still makes sense after a processor change.

Exports finance can use. If finance cannot go from export to bank, the system is not done. The deliverable is evidence, not a screenshot.

Cutover

Processor migrations break when old and new rails both produce settlement files and nobody owns the join. Reconciliation is part of Build scope. Not a phase-two wish.

Same for platforms with sub-merchants. Onboarding at scale fails if payout and settlement exceptions have no owner on day one.

How we engage

Assurance (optional) — named defect list against a live system or standard
Build — fixed price for ledger, connectors, cutover, reconciliation view
Run — monthly fee per account so exceptions and connector updates stay owned

Ask for the current Run ladder. We do not invent a public number here.

Boundary

Futurify is an ISV. We do not hold funds. Reconciliation software does not make us your processor. Your provider agreements stay yours.

Next step

Start with the date and the processor you are leaving. Bring one real unmatched settlement example if you have it. That shortens scoping.

Payment migrations and cutovers — cutover scoping and day-one ownership
Add a second processor without a second project — processor-agnostic layer
How we are paid — Build, Run, Assurance pricing structure