Payment gateways reconciliation that matches every sale to every deposit
Connect your sales orders, PSP transactions, and bank settlements into one automated reconciliation flow. Every fee is broken down, every commission posted to the right GL account, every deposit traced back to the sales that generated it. Built for finance teams managing high-volume payment gateways across Stripe, Adyen, PayPal, Checkout, Shopify, and more.
Our solution for PSP and payment gateway reconciliation
Match sales, PSP transactions, and bank settlements end to end
PSP reconciliation connects three layers: the order from your system, the transaction from Stripe, Adyen, PayPal or Redsys, and the net deposit in your bank. Embat ingests all three, cross-references them automatically, and ensures every euro is accounted for from checkout to cash.
Ingest sales orders from any source, wherever they live
Sales orders rarely live in the ERP. They sit in your own systems: a marketplace backend, a delivery platform, a ticketing admin. Embat's public API connects to wherever your orders are and brings them into the reconciliation flow alongside PSP and bank data.
Break down every settlement into its real components
A single PSP deposit bundles hundreds of sales minus fees, retentions, tips, and chargebacks. Embat unpacks each settlement and posts every component to the right GL account: gross revenue, provider commission, retained balance, net deposit. Precise analytical accounting from day one.
Automatic ID-based matching that eliminates manual pairing
Every PSP transaction carries a unique ID that corresponds to a sales order ID. The automatching engine pairs them instantly and groups the results into daily reconciliation bundles. Your team focuses only on the exceptions that remain unmatched.
Daily reconciliation bundles with clear status tracking
Each day's reconciliation activity is consolidated into a single bundle showing matched transactions, outstanding items, and posting readiness. Bundles marked as complete are ready to post; incomplete bundles show exactly how many transactions and orders remain pending, so nothing slips through.
Post reconciled bundles to your ERP and clear the bridge account in one step
Once a bundle is ready to be posted, posting it clears the customer debt account and recognises the reconciled amount in your general ledger. The system logs who validated each bundle and when, ensuring full traceability from original sale to ERP entry.
Full visibility from checkout to bank account, including money in transit
Money in transit visibility
See how much each gateway holds in pending settlements, retained funds, and upcoming payouts. Your cash position includes money in transit by status and expected arrival.
Refund and chargeback traceability
Every refund and chargeback traces back to the original sale with corrective GL entries posted automatically. Revenue and VAT stay aligned through the full reversal lifecycle.
Accounting-ready PSP data
Matched reconciliation bundles flow directly into the accounting module for GL posting. The PSP layer prepares the data; the accounting layer posts it to your ERP.
Checkout-to-GL audit trail
Every reconciliation is logged with matching criteria, source data, and posting method. A single deposit maps back to individual sales, itemised fees, and retentions.
The intelligence behind Embat
What does TellMe do?
Everything your finance department needs:
PSP order matching
Resolve PSP discrepancies with intelligent ledger account postings
When a transaction and a sale share the same ID but amounts don't align, the difference is analysed and a posting against the appropriate ledger account is suggested. Every discrepancy gets a clear, actionable proposal.
PSP order matching
Automatically match payment gateway transactions to your sales orders
Patterns between each PSP transaction and its corresponding sale are detected automatically, performing matchings based on ID, amount, and date. Your accounting team only sees what actually needs attention.
The tangible impact of automated PSP reconciliation
5-day faster close
PSP settlements reconcile continuously as they arrive. When month-end comes, the work is already done.
Commission transparency
Know exactly what each gateway costs you per transaction, per provider, per period. Actual fees compared against contracted rates automatically, with discrepancies flagged before they compound.
Scalable operations
Process thousands of daily micro-payments without growing your accounting team. Embat handles the volume; your team handles the exceptions.
Accurate cash position
Include money in transit in your real-time cash view. Know how much each PSP holds and when it will settle, improving forecast accuracy and liquidity decisions.
One reconciliation flow,
every gateway
Ready to see what an Intelligent Treasury can do for you?
Automate, centralise, and make smarter decisions in real time. See how Embat can save your finance team up to 75% of their time, reduce errors, and boost productivity.
Frequently Asked Questions (FAQ)
PSP reconciliation is the process of matching three layers of payment data: the original sale from your business system, the transaction recorded by the payment gateway (Stripe, Adyen, PayPal, Redsys), and the net deposit that arrives in your bank account. Unlike bank reconciliation — which matches two layers (bank vs GL) — PSP reconciliation adds the sales order as a third layer and must also deconstruct aggregated settlements into their individual components: gross amounts, fees, retentions, tips, and chargebacks. Embat ingests data from all three layers, cross-references them automatically, and posts each component to the correct GL account. Discrepancies and missing transactions are flagged for review, while the matched majority flows straight into your accounting workflow.
Embat integrates with major payment gateways including Stripe, Adyen, PayPal, Redsys, Worldpay, Mercadopago, Checkout, FB500, Nuvei & Amex through its connectivity module.
PSP transactions are ingested automatically — no manual downloads or CSV uploads. For sales order data, Embat provides a public API that connects to your proprietary systems regardless of where your order data lives — whether that's a custom admin platform, a POS system, or a marketplace backend.
Absolutely. Embat normalises all transactions into a single reporting currency (e.g., GBP or EUR) using real-time exchange rates, while still allowing you to drill down into the original currency for detailed FX risk analysis.
Payment gateways typically bundle hundreds or thousands of individual transactions into a single bank deposit after deducting fees, retentions, and chargebacks. Embat deconstructs each settlement into its components — matching individual sales to PSP transactions, segregating fees by type, calculating rounding differences and tips, and reconciling the net amount against the bank deposit. Discrepancies and missing transactions are flagged automatically for review.
Yes — PSP reconciliation is a pre-accounting process that feeds into Embat's accounting module. Once sales, PSP transactions, and bank settlements are matched, Embat generates reconciliation bundles with the full breakdown (gross, fees, retentions, net). These bundles flow into the accounting module for GL posting, where the standard closed-loop process applies: entries post to your ERP, the confirmation returns to Embat, and bank and GL balances stay aligned. Think of PSP reconciliation as the layer that prepares payment gateway data before it enters your accounting workflow.