One ledger, however many providers.
Transaction-to-settlement matching, provider and multi-provider reconciliation, fees, refunds, chargebacks and adjustments itemised, and an exceptions queue instead of silent breaks.
The hidden cost of running more than one provider
Every additional provider adds a settlement file in its own format, its own fee structure and its own timing. Done manually, reconciliation effort grows with each one. A unified ledger normalises every provider into one model, so adding a provider is a routing decision rather than another monthly spreadsheet.
From request to reconciled
Normalise
Each provider's settlement data is ingested and mapped into one ledger model with consistent fields and fee categories.
Match
Transactions are matched to settlement lines automatically, including partial captures, refunds and chargebacks.
Itemise
Fees, adjustments and deductions are categorised so the difference between gross and net is fully explained.
Except
Anything that does not match goes to an exceptions queue with the reason, instead of disappearing into a rounding difference.
Publish
Statements and exports are produced per settlement, decomposable to transaction level.
What reconciliation covers
Transaction-to-settlement matching
Every transaction is tied to the settlement that paid it, and every settlement decomposes into its transactions.
Provider reconciliation
Each provider's own settlement data is ingested and reconciled against what Flowa Pay processed.
Multi-provider reconciliation
One normalised ledger across every provider, rather than one process per provider.
Fees
Fee lines categorised by type so cost analysis does not require re-deriving them from a net figure.
Refunds
Matched to their original transaction and to the settlement that carried the deduction.
Chargebacks
Linked to the original transaction, with the deduction and any later reversal both visible.
Adjustments
Provider adjustments are categorised and explained rather than appearing as an unidentified difference.
Settlement statements
Per-settlement statements showing gross, each deduction and net.
Currency reconciliation
Multi-currency settlements reconcile with the conversion step visible as its own line.
Export & API reporting
Ledger data available by export and through the API for your accounting system.
Exceptions queue
Unmatched and partially matched items are surfaced for review with the reason attached.
Why teams choose it
- Adding a provider stays cheap. One ledger model means a new provider does not mean a new reconciliation process.
- Nothing disappears. Unmatched items go to a queue, not into a difference nobody investigates.
- Cost you can analyse. Categorised fee lines make true cost per transaction derivable.
How you connect
- Automatic ingestion of provider settlement data.
- Exports in accounting-system formats.
- API access to ledger, statement and exception data.
What you can accept
- Covers every provider, method and currency on your account
Availability depends on merchant category, jurisdiction, underwriting and the applicable payment or acquiring partner.
How it is controlled
- Ledger entries are immutable; corrections are recorded as explicit adjustments.
- Access to ledger and statement data is role-controlled.
- Exception handling and resolution are recorded and attributable.
Flowa Pay provides the payment technology and orchestration layer. Acquiring, scheme settlement and regulated payment services are provided by licensed acquiring and payment partners under their own authorisations.
Common questions
No. It produces the reconciled, itemised data your accounting system needs, and exports in formats it can import.
They go to an exceptions queue with a reason. They are never absorbed into a difference or written off silently.
Where their settlement data can be ingested, yes. That is the point of a normalised ledger.
Linked to the original transaction, with the deduction shown in the settlement that carried it and any later reversal shown separately.
Ready to put reconciliation to work?
Talk to our team about your corridors, your volumes and the routes that fit your business.