Reconciliation

Acquirer file QS_20260912.csv against the Chase ••1182 statement

What this screen is for

Three records of the same money never agree on their own. The acquirer file says what the card networks captured, the bank statement says what actually arrived, and the ledger says who it belongs to. Reconciliation names every difference between them — fees, refunds, chargebacks, reserve — until nothing is left unexplained. Anything still unnamed at cut-off is either money the business has not collected or money it cannot yet recognise, so the day does not close until this queue is empty.

Variance bridge

From gross capture to the credit that actually landed

  • Gross captured

    12,481 records in QS_20260912.csv

    $429,400.00

  • Merchant discount + scheme fees

    MDR 1.62% average, interchange passed through

    −$13,382.00

  • Refunds settled today

    214 refunds

    −$18,420.00

  • Chargebacks debited

    9 first chargebacks

    −$4,129.00

  • Rolling reserve withheld

    5–15% by merchant risk band

    −$29,845.00

  • Expected bank credit

    $363,624.00

  • Actual bank credit

    Chase ••1182, value date 12 Sep

    $415,838.00

Unexplained difference $52,214.00

The bank credited more than the file predicted. Until each exception below is matched or written off, this figure cannot be posted.

Exception queue

9 open · $58,302.44 unexplained

  • Suggested match

    Batch st_44186 closed 9 Sep

    Same amount to the cent, two banking days earlier than the file date

    Confidence

    82%

    Anything unresolved at 18:00 UTC rolls into tomorrow and ages