Payment reconciliation and reporting

Purpose

1.1. Automate the extraction, matching, and validation of payment transactions across POS, gateways, banks, and accounting systems for adult entertainment retail.
1.2. Ensure accurate, real-time reconciliation between sales channels, payment platforms, and financial records for compliance and fraud mitigation.
1.3. Generate and distribute detailed financial reports by payment method, store location, and product line to stakeholders.
1.4. Detect discrepancies, flag exceptions, and initiate manual review workflows for unresolved mismatches or chargebacks.

Trigger Conditions

2.1. New sales transaction record created or updated in POS or eCommerce system.
2.2. Settlement notification or daily batch file received from payment processor or gateway.
2.3. Bank statement import or update detected in accounting platform.
2.4. Scheduled batch run (e.g., nightly, weekly, monthly) for reconciliation and reporting process.
2.5. API/webhook from payment platform indicating settlement, refund, or chargeback event.

Platform Variants

3.1. Stripe
• API: /v1/balance_transactions
• Configure: Pull transaction records, use metadata to match to sales, detect mismatches.

3.2. PayPal
• REST API: /v1/reporting/transactions
• Configure: Fetch transaction histories, map to sales data, flag discrepancies.

3.3. Square
• API: ListPayment, ListRefunds endpoints
• Configure: Aggregate daily payments, associate to register logs, trigger alerts.

3.4. Shopify
• Endpoint: GET /admin/api/2023-07/orders.json
• Configure: Extract order payments, match payouts, tag unreconciled items.

3.5. QuickBooks Online
• API: /v3/company//reports/TransactionList
• Configure: Sync sales, bank feeds, and deposits for automated comparison.

3.6. Xero
• API: GET /api.xro/2.0/BankTransactions
• Configure: Import bank statement lines, map to payment logs, assign status.

3.7. WooCommerce
• REST API: /wp-json/wc/v3/orders
• Configure: Retrieve payment metadata, cross-reference with gateway exports.

3.8. Authorize.Net
• API: getTransactionList, getTransactionDetails
• Configure: Download settlements, pair with matching invoices, flag errors.

3.9. Sage Intacct
• API: readByQuery (GL Transactions, Cash Management)
• Configure: Scheduled queries to check payment records, trigger reports.

3.10. Amazon Pay
• API: GetCharge, ListTransactions
• Configure: Retrieve charge events, check deposits, generate variance alerts.

3.11. Adyen
• API: /payments/details, /settlements
• Configure: Collect settlement batches, associate to sales system, detect mismatches.

3.12. Worldpay
• API: /transactions, Webhook for settlements
• Configure: Download daily transaction batches, compare to POS, escalate differences.

3.13. Braintree
• API: Transaction search, Settlement batch summary
• Configure: Monitor settlements and refunds, link to sales logs.

3.14. Netsuite
• REST API: /services/rest/record/v1/transaction
• Configure: Sync transactions, import bank data, match payment records.

3.15. SAP Business One
• DI API: GetPayments, GetIncomingPayments
• Configure: Scheduled extraction, align with POS and bank exports.

3.16. Freshbooks
• API: GET /payments, Bank Rec endpoint
• Configure: Fetch payments, trigger reconciliation scripts.

3.17. Oracle NetSuite
• API: RecordService, Custom reports
• Configure: Build scheduled reconciliation workflows, alert on failure.

3.18. Mollie
• API: /payments, /settlements
• Configure: Sync settlements, check payout completeness.

3.19. Revolut Business
• API: GET /transactions, Webhook: transaction_completed
• Configure: Fetch payment completions, trigger reconciliation batch.

3.20. Wise Business
• API: /v3/profiles, /v3/transactions
• Configure: Download account transactions, check for matching settlements.

3.21. Intuit Bank Feeds
• API: Sync daily feed import
• Configure: Map individual feed items to payment logs, automate status update.

3.22. Zoho Books
• API: GET /bankaccounts/statements
• Configure: Import statement lines, cross-check with settlement files.

3.23. Soldo
• API: GET /transactions
• Configure: Download card settlements, tag unmatched items, auto-notify finance.

3.24. Fiserv / First Data
• API: Settlement report download
• Configure: Daily batch pulls, parse CSV, auto-reconcile to sales data.

Benefits

4.1. Reduces manual effort, eliminating spreadsheet reconciliation and human errors.
4.2. Enables prompt detection and resolution of payment discrepancies and fraud.
4.3. Accelerates financial close and compliance reporting cycles.
4.4. Provides real-time, multi-source financial visibility for decision-makers.
4.5. Supports audit trail generation for regulatory or tax purposes in adult retail.
4.6. Scales to support high-volume, multi-channel, and multi-location adult entertainment stores.