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Managing high-volume online payments shouldn’t mean wrestling with hidden processing fees, delayed payouts, or endless chargeback discrepancies.
At OBG Outsourcing Private Limited, we deliver end-to-end payment gateway reconciliation for growing businesses, e-commerce brands, and accounting firms. We bridge the gap between your payment processors (Stripe, PayPal, Square) and your core accounting software—ensuring every penny is accounted for down to the cent.
Why Merchant Reconciliation Gets Complex
Modern payment processors do far more than just transfer money—they deduct processing fees, hold reserves, issue refunds, handle chargebacks, and combine hundreds of daily customer transactions into single, lumped net payout deposits.
[ Customer Card Swipe ] ? [ Processing Fees & Reserves Deducted ] ? [ Lumped Bank Payout ] ? (Where Discrepancies & Hidden Revenue Leaks Happen) ?????
Without dedicated reconciliation, your general ledger ends up with mismatched revenue figures, unaccounted processor fees, and phantom cash flow balances.
Our Reconciliation Breakdown
We provide tailored reconciliation pipelines for the top three global payment platforms:
1. Stripe Reconciliation
Stripe handling involves complex payout schedules, rolling reserves, and multi-currency conversions. We ensure your books mirror actual Stripe activity without manual effort:
Gross vs. Net Matching: Separating gross sales revenue from Stripe processing fees and instant payout charges.
Payout-to-Bank Matching: Reconciling batch payout IDs directly against your bank statement line items.
Dispute & Refund Tracking: Accurately booking disputes, chargebacks, dispute fees, and won/lost adjustments.
Multi-Currency Support: Tracking foreign exchange (FX) gain/loss on international sales and conversions.
2. PayPal Reconciliation
PayPal acts like an independent bank account with its own ledger rules. We systematically handle its unique operational nuances:
Wallet Balance Audit: Reconciling your PayPal clearing account balance to ensure running balances match zero-balance or rolling accounts.
Multi-Channel Feeds: Tracking payouts across direct credit card transactions, PayPal Express Checkout, and PayPal Working Capital deductions.
Hold & Reserve Management: Isolating temporary holds, security reserves, and released funds so your cash flow reports stay real-time accurate.
Micropayments & Fee Audits: Verifying percentage-plus-fixed fee deductions across standard, international, and micropayment tiers.
3. Square Reconciliation
Ideal for omnichannel retailers, restaurants, and service providers blending in-person (POS) and online payments:
POS vs. Online Sync: Matching physical terminal sales, online store orders, and gift card redemptions to actual batch deposits.
Tip & Card Fee Separations: Extracting employee tips, sales taxes, and Square processing fees before booking net revenue.
Hardware & Processing Adjustments: Accounting for offline transactions, card reader adjustments, and instant transfer fees.
Inventory & Sales Tax Alignment: Ensuring sales tax collected through Square matches state/local tax filings perfectly.
How We Work: The OBG Reconciliation Workflow
| Step | Action | Strategic Benefit |
|---|---|---|
| 1. Data Integration | We securely connect your processor reports (Stripe, PayPal, Square) with QuickBooks, Xero, or NetSuite. | Eliminates manual CSV uploads and human error. |
| 2. Transaction Matching | Our team maps gross sales, refunds, platform fees, and chargebacks to your general ledger. | Guarantees clear visibility into actual vs. gross margins. |
| 3. Payout Clearing | We reconcile clearing accounts to confirm every batch payout lands safely in your primary bank account. | Prevents missing or delayed deposits from going unnoticed. |
| 4. Variance Exception | Any unreconciled item, unexplained fee spike, or stuck payout is flagged immediately for review. | Protects your business against payment processing leakage and fraud. |
Why Partner with OBG Outsourcing?
"Outsourcing your merchant reconciliation isn't just about balancing books—it's about protecting your profit margins from subtle fee creep and untracked processing losses."
Multi-Tier Quality Control: Every reconciliation statement undergoes a multi-layer review by senior accounting managers before month-end closure.
Software Agnostic: Seamless integration across QuickBooks Online/Desktop, Xero, Zoho Books, NetSuite, and custom ERPs.
Up to 60% Cost Efficiency: Access enterprise-grade accounting talent at a fraction of the cost of hiring in-house accounting staff.
Complete Data Security: Stringent bank-level data encryption protocols ensuring 100% security for sensitive transaction data.
Ready to Streamline Your Merchant Accounts?
Stop guessing your true net revenue. Let OBG Outsourcing Private Limited handle your Stripe, PayPal, and Square reconciliation with speed and precision.
Software We Use
