Payment Gateway
General ledger, ap and ar and bank reconciliation, in one system.
Transaction processing, settlement, reconciliation
Explore the specification
AwaitingApproval
- RFN-54755 PT-6129 in 11 d
- RFN-62309 PT-8885 11 d
- RFN-68052 PT-5160 5 d
- RFN-13090 PT-7876 in 5 d
- RFN-74654 PT-1649 in 8 d
RFN-54755
- OriginalTxn
- PT-6129
- Amount
- 44,931.91
- Reason
- CustomerRequest
- RequestedBy
- EX
- RefundedAt
- 28 Sep
Approval conditions.
AwaitingApprovalAmount > 5000
- RFN-14596 PT-1177
- RFN-41386 PT-3651
- RFN-41827 PT-5561
- RFN-39286 PT-4935
- RFN-45357 PT-2808
RFN-14596
- OriginalTxn
- PT-1177
- Amount
- 38,912.88
- Reason
- CustomerRequest
- ReasonNotes
- AwaitingApproval rfn-443
- RequestedBy
- VA
StatusInquiryUnderReviewEvidenceSubmitted
StatusInquiryUnderReviewnext 7 days
StatusClosedPaidno payout
StatusPendingInTransit
StatusUnreconciledPartialDisputed
PastDue
| Subscription Number | Customer | Plan | Amount | Next Billing Date |
|---|---|---|---|---|
| SBS-83467 | CUS-052 | PLN-722 | 24,813.04 | 06 Sep |
| SBS-34414 | CUS-085 | PLN-162 | 4,901.38 | 12 Sep |
| SBS-49764 | CUS-214 | PLN-635 | 45,285.62 | 16 Sep |
| SBS-97487 | CUS-039 | PLN-417 | 39,247.36 | 16 Sep |
| SBS-17328 | CUS-057 | PLN-694 | 27,300.35 | 14 Sep |
| SBS-86355 | CUS-214 | PLN-385 | 30,371.21 | 22 Sep |
FailedCapturedAt >= start-of-day
| Txn ID | Customer | Amount | Failure Code | Failure Message |
|---|---|---|---|---|
| TI-814 | CUS-029 | 22,996.74 | FC-857 | FM-148 |
| TI-614 | CUS-043 | 43,613.88 | FC-984 | FM-964 |
| TI-464 | CUS-184 | 47,091.56 | FC-170 | FM-602 |
| TI-570 | CUS-172 | 46,298.27 | FC-975 | FM-869 |
| TI-361 | CUS-071 | 2,848.71 | FC-700 | FM-470 |
| TI-682 | CUS-133 | 7,546.06 | FC-341 | FM-664 |
Processed = FALSE or has parse error
| Event ID | Processor | Event Type | Received At | Signature Verified |
|---|---|---|---|---|
| EI-551 | PA-110 | ET-768 | 15 Sep | ✓ |
| EI-977 | PA-120 | ET-234 | 12 Sep | ✓ |
| EI-729 | PA-110 | ET-952 | 03 Sep | ✓ |
| EI-337 | PA-110 | ET-200 | 14 Sep | ✓ |
| EI-868 | PA-130 | ET-518 | 10 Sep | ✓ |
| EI-496 | PA-120 | ET-559 | 16 Sep | no |
ReviewReviewOutcomenullPending
| Transaction | Rule | Severity | Notes | Flagged At |
|---|---|---|---|---|
| PT-2966 | FR-1058 | 160 | Review ff-540 | 09 Sep |
| PT-5033 | FR-7101 | 320 | Review ff-322 | 07 Sep |
| PT-4536 | FR-6994 | 210 | Review ff-185 | 10 Sep |
| PT-6222 | FR-6164 | 180 | Review ff-201 | 16 Sep |
| PT-9413 | FR-4733 | 520 | Review ff-670 | 24 Sep |
| PT-4931 | FR-1085 | 140 | Review ff-398 | 23 Sep |
YouActive
| Brand | Last4 | Exp Month | Exp Year | Added At |
|---|---|---|---|---|
| Visa | LST-955 | 270 | 230 | 25 Sep |
| Mastercard | LST-537 | 250 | 770 | 17 Sep |
| Amex | LST-106 | 330 | 110 | 25 Sep |
| Discover | LST-100 | 160 | 60 | 08 Sep |
| Visa | LST-683 | 580 | 150 | 07 Sep |
| Mastercard | LST-807 | 500 | 930 | 18 Sep |
Illustrative records generated from the specification. Explore the views to inspect the planned operating model.
Built for your team.
Controllers and finance teams who close on time and can show their work.
- Defined tables
- 23
- Operational views
- 12
- Defined roles
- 7
- Reports
- 8
Defined in the planned system specification.
What’s inside.
Transaction processing, settlement, reconciliation
General ledger
Chart of accounts, journals and dimensions
AP and AR
Bills, invoices, payments and aging
Bank reconciliation
Statements matched to the ledger
Period close
Checklists, accruals and lock
Budgets
Plans, versions and variance
Reporting
Statements, packs and drill-down
Workflow handoff
Period close
General ledger, ap and ar and bank reconciliation, in one system.
Start now- 01Accruals
- 02Reconcile
- 03Review
- 04Post
- 05Report
Built for your team
Controller / CFO
Owns the AR-side cash position and the integrity of the processor-to-bank reconciliation. Sole authority to approve above-tier Refunds, sign off on ChargebackDisputes going to Accepted (writing off the loss), and close month-end Reconciliations.
Dispute IDCard NetworkReason CodeAmount Disputed
Mastercard
AR Manager
Day-to-day owner of the dispute case file and the in-tier refund queue. Manages ChargebackDisputes from intake through evidence submission to outcome. Approves Refunds up to $5,000.
Payout NumberProcessorExpected DateAmount
AR Clerk
The reconciliation operator. Matches PaymentTransactions to Invoices when the auto-applier missed, processes daily Reconciliations, drives unmatched-transaction cleanup, and attends ChargebackDisputes by gathering evidence under AR Manager direction.
Customer Success / Support
Front-line support seat. Issues approved Refunds up to $250 without escalation; anything above routes to AR Manager. Reads transaction history for the Customer they are helping.
BrandLast4Exp MonthExp Year
Mastercard
Customer
Implicit role for the actual payer at the checkout / saved-card portal. Not a logged-in app user — accessed via signed short-lived session token issued at checkout or via a preferences-page link in transactional email.
Audit / Compliance
Read-only seat for internal audit, external auditor, and PCI-DSS attestation. PCI-scoped masking applies — never sees ProcessorToken, never sees BillingAddress in plaintext.
Reports and dashboards
Explore what each report measures and the records behind it.
Daily Transaction Volume
Per day: Charges, Refunds, Net, plus per-Processor and per-PaymentMethod drill. The AR Manager's daily landing report.
Processor Reconciliation Summary
Per Reconciliations row: PayoutAmount, SettlementsTotal, BankCreditAmount, Difference, BankDifference, Status, age in days. Drives the unreconciled-payouts queue.
Chargeback Win Rate
Per CardNetwork × per ReasonCategory: count opened, count won, count lost, count accepted, win rate, average response days. The dispute-team scorecard.
Refund Volume by Reason
Per Reason category: count, amount, percent of gross, with drill into the issuing role and original transaction. Surfaces product-quality and friction patterns.
Subscription Churn & Retry Health
Per Subscription cohort: active, past-due, retry-recovered, cancelled-after-final-retry, MRR delta. Pairs with the AR Manager's past-due queue.
Fraud Block Effectiveness
Per FraudRule: count fired, count blocked, count reviewed-and-allowed, count reviewed-and-declined, false-positive estimate. The rules-tuning report.
Statement Fee Breakdown
Per MerchantStatement: TotalFees broken down by FeeCategory (Interchange / Assessment / ProcessorMarkup / etc.) per Processor, trailing-12-months trend with effective-rate percent. The CFO's processor-cost report.
Payout Delivery Aging
Per Payouts row in Status: Pending or InTransit: ExpectedDate, days-since-expected, Amount, Method. Catches stuck or failed-and-not-yet-marked-Failed payouts before they break cash forecasting.
One connected workspace
Daily Transaction Volumedrill-down
Per day: Charges, Refunds, Net, plus per-Processor and per-PaymentMethod drill. The AR Manager's daily landing report.
| Txn ID | Customer | Amount | Failure Code | Failure Message |
|---|---|---|---|---|
| TI-814 | CUS-029 | 22,996.74 | FC-857 | FM-148 |
| TI-614 | CUS-043 | 43,613.88 | FC-984 | FM-964 |
| TI-464 | CUS-184 | 47,091.56 | FC-170 | FM-602 |
| TI-570 | CUS-172 | 46,298.27 | FC-975 | FM-869 |
- Pending
- Succeeded
- Failed
- Disputed
- Refunded
- Voided
- TxnID
- TI-814
- ProcessorRef
- PR-836
- Customer
- CUS-029
- Amount
- 22,996.74
- FailureCode
- FC-857
- FailureMessage
- FM-148
- Subscription
- SBS-75489
ownerAR Manager
Go from the big picture to the details behind it. Open any record to see its status, owner and history.
Illustrative records. Connections follow the authored specification.
Controls and automation
System checks
processor-webhook-ingest — webhookTrigger from each connected processor → verifies signature, appends to ProcessorWebhookEvents, parses EventType, upserts PaymentTransactions / Refunds / ChargebackDisputes / Payouts by ProcessorRef.
payment-success-applies-to-invoice — appEventTrigger on PaymentTransactions (Status: Succeeded AND MetadataInvoiceRef set) → cross-app event to fin-invoicing-ar to advance the Invoice and write a PaymentsReceived row.
refund-routing-with-approval — appEventTrigger on Refunds.record.created → switch on Amount against requestor role tier (Customer Success ≤ $250, AR Manager ≤ $5,000, Controller unlimited), routes for approval or auto-approves, then calls processor refund API.
chargeback-dispute-intake — appEventTrigger on ChargebackDisputes.record.created → pages AR Manager + Controller within 1 hour, sets EvidenceDueAt, opens the case.
settlement-batch-import-and-recon — scheduleTrigger daily 03:00 ET → pulls each processor's prior-day settlement report, creates Settlements + SettlementItems, first-pass match to PaymentTransactions.
payout-export-to-bank-recon — appEventTrigger on Payouts.Status: Pending → Paid → cross-app event to fin-accounting bank-rec with expected ACH credit detail.
fraud-rule-evaluation — appEventTrigger on PaymentTransactions.record.created (Type IN Charge, Authorize) → walks active FraudRules in priority order, writes FraudFlags, applies highest-severity Action.
recurring-payment-retry-on-decline — appEventTrigger on PaymentTransactions.Status: → Failed (with Subscription set) → queues retries per RetrySchedule, applies OnFinalFailure after MaxAttempts.
statement-fee-amortization — appEventTrigger on MerchantStatements.record.created → iterates FeeBreakdowns, emits draft JE into fin-accounting (Dr ProcessorFeeExpense per category, Cr ProcessorClearing).
processor-reconciliation-mismatch-alert — scheduleTrigger daily 09:00 ET → three-way diff Payout vs SettlementsTotal vs BankCreditAmount, opens Reconciliations rows, pages AR Clerk + Controller on mismatch. Integrations: inbound webhooks from each connected processor (Stripe, Square, Adyen, Authorize.Net, Braintree) for the full payment.*, charge.*, refund.*, dispute.*, payout.*, subscription.* event surface; inbound settlement-report and merchant-statement APIs from the same processors; inbound bank-feed event from fin-accounting confirming the ACH credit landed. Outbound to each processor's API for charges, refunds, subscription updates, and dispute evidence submission; outbound cross-app events to fin-invoicing-ar (apply payment to invoice), fin-accounting (draft JEs on Payout and on Statement amortization), and to the merchant's configured WebhookSubscriptions (e.g. notify a billing app on payment.succeeded); outbound email to AR Manager and Controller on disputes and reconciliation breaks.
