Merchant Reconciliation

As an e-commerce brand, retail chain, or high-volume merchant, tracking funds across multiple point-of-sale (POS) terminals, e-commerce storefronts, and third-party payment gateways is a major operational challenge. Discrepancies between customer checkouts, payment processor payouts, and your actual bank deposits can quietly drain your margins through hidden interchange fees, uncaptured chargebacks, and timing delays.

At OBG Outsourcing Private Limited, we deliver accurate, automated, and multi-currency Merchant Reconciliation Services tailored for global businesses, e-commerce brands, and accounting firms. We take the heavy lifting out of daily transaction matching—ensuring every payout from Stripe, PayPal, Square, Shopify Pay, Adyen, and traditional merchant accounts matches your General Ledger and bank statements perfectly.

Why Outsource Merchant Reconciliation to OBG Outsourcing?

"We don't just match numbers—we track down missing payouts, audit processor fees, and protect your bottom line."

Catch Revenue Leakage Early: Identify uncollected payments, duplicate transactions, missing payout batches, and unexplained refund variances before they impact cash flow.

Fee & Interchange Auditing: Verify that gateway processing fees and interchange rates match agreed processor schedules so you never overpay.

Reduce Month-End Delays: Prevent end-of-month accounting bottlenecks with daily or weekly multi-platform matching.

Up to 50% Cost Savings: Gain access to specialized accounting experts at a fraction of the cost of an in-house reconciliation team.

100% Data Security & Compliance: Strict ISO-aligned data privacy protocols and encrypted file-sharing channels keep your merchant records completely confidential.

Our End-to-End Service Deliverables

1.Gateway & Processor Payout Matching:Core Execution.

Cross-reference individual gateway payout feeds (Stripe, PayPal, Square, etc.) against actual bank deposits to account for batching cycles, holdbacks, and rolling reserves.

2.Platform-to-Ledger Alignment:E-Commerce Integration.

Match orders generated in platforms like Shopify, WooCommerce, Amazon, or POS systems directly against recorded accounting entries in QuickBooks, Xero, or NetSuite.

3.Fee, Refund & Chargeback Tracking:Leakage Control.

Audit processor deductions, chargeback fees, dispute holdbacks, customer refunds, and currency conversion adjustments to maintain 100% GL precision.

4.Discrepancy Investigation & Month-End Closing:Reporting & Final Sign-Off.

Flag uncaptured card transactions, processor delays, or system glitched checkouts into a clear Monthly Exception Report alongside finalized adjustment journal entries.

Software & Gateways We Support

Our team seamlessly integrates directly into your existing financial and tech stack:

Ready to Streamline Your Merchant Accounting?

Stop letting unreconciled payment processor feeds and hidden merchant fees compromise your financial clarity. Partner with OBG Outsourcing Private Limited for audit-ready, scalable financial records.