Reconcile card payouts step by step

Reconciliation follows one chain: order, payment attempt, successful capture, provider settlement, and bank deposit. Keep the provider reference at every step so exceptions can be traced without matching on amount alone.

Work from gross to net

Start with captured payments in the settlement window. Subtract refunds, chargebacks, provider fees, and any reserves. Add or remove timing differences, then match the expected net amount to the bank line.

Classify unmatched items instead of forcing the total: pending, failed, duplicated, refunded in another period, or missing reference. Age the exception list daily and assign an owner.