back-office
If your business handles payouts to merchants, sellers, or partners
Fragmented data across multiple systems and complex settlement logic make payouts labor-intensive, opaque, and error-prone
Manual reconciliations
Data across processing, banking, providers, and merchant or seller reports is reconciled manually and often does not match
Opaque payout calculations
Fees, deductions, refunds, and adjustments are calculated under different rules in different systems, making the final payout hard to verify and explain
No end-to-end transaction history
Refunds, reversals, chargebacks, penalties, and partial adjustments are recorded in different places and at different times
Time-consuming payout investigations
Questions from merchants, sellers, and partners turn disputed payouts into manual investigations across data from multiple systems
Until settlements and payouts
are brought into a single control layer,
they are hard
to manage efficiently
The business loses transparency over settlement calculations, speed in resolving disputes, and control over payout economics
What this leads to in businesses with payouts to merchants, sellers, and partners
This is no longer just a labor-intensive settlement process: errors in settlement hit margin, retention, bank requirements, and the cost of scaling
Margin leakage
Complex and opaque calculations for fees, refunds, chargebacks, and deductions lead to errors and quietly reduce actual profitability
Overpayments, underpayments, and compensation
Calculation errors lead to incorrect payouts, recalculations, additional accruals, and compensation to merchants
More disputes
Disputed payouts undermine merchant and seller trust, increase support workload, and hurt retention
Expensive scaling
As volumes grow, so does the amount of manual reconciliation and investigation. Weak traceability of settlement calculations increases limits, reserves, and scrutiny from banks and providers
What changes with Merchant Settlement Control back-office?
You move from fragmented calculations, time-consuming reconciliations, and disputed payouts to a single settlement control layer where every payout amount is transparent, verifiable, and defensible
Transparent payout structure
- Every payout is calculated according to a clear, consistent logic
- You can see exactly what changed the amount by merchant, seller, partner, or period
- The final payout amount becomes transparent and easy to explain
Reconciliations without manual assembly
- Routine reconciliations no longer require labor-intensive manual compilation and are generated instantly
- The system produces a list of disputed items by transaction, amount, fee, and status
- You see not just that there is a discrepancy, but exactly where it occurred
Traceability of every amount
- Any figure in a report can be drilled down to the specific transaction and accounting entry
- Drill-down helps you quickly understand why the final amount looks the way it does
- Responses to merchants, partners, providers, and auditors become faster and more accurate
Adjustment control
- Changes are recorded and routed through roles, permissions, and approvals
- Any change in calculations and payouts becomes transparent and traceable
- You have a complete, auditable history of changes across calculations and payouts
How does it work?
Overlay implementation with no migration and no interruption to operations.
Implementation takes 1–2 months, depending on the complexity of your business model and the number of data sources to be connected
Deployment and data source connection
We securely deploy the back-office and connect processing, CRM, banks, and providers via APIs — with no migration and no downtime
Unified settlement logic
We consolidate the rules for fees, deductions, refunds, chargebacks, reserves, and settlement liabilities based on your business model into a single control layer
Rules, roles, and control
We configure calculation rules and change control through roles and approvals. We also create a queue of discrepancies and disputed items for fast investigation
Reporting, drill-down, and go-live
We generate operational P&L and reports. Any number can be traced all the way down to the accounting entry
Modular architecture: for hybrid payment business models, we can connect additional modules (Wallet / FX / Credit-BNPL) without rebuilding the system — all within a single accounting control layer
Ready to see Merchant Settlement Control back-office in action?
In the demo, we will show how the solution would look and work in your business model