Payment Reconciliation Automation. @payment-reconciliation

Manual reconciliation is where payments operations quietly bleeds time: someone exports provider reports, matches them to orders and invoices in a spreadsheet, and chases the rows that do not line up. The Payment Reconciliation Automation sprint replaces that with a pipeline — provider events and settlement files ingested automatically, matched to internal orders, invoices, fees, and bank or ledger records by rule, with only true exceptions left for a human.

The finish state: daily reconciliation runs without manual export work, match rates are measured and visible, and unmatched items land in a queue with the context needed to resolve them. Finance closes faster because the matching happened continuously, not at month end.

Provider Event Ingestion

Automated ingestion of webhooks, settlement reports, and payout files from your payment providers, normalized into a common event model.

Matching Engine

Rule-based matching of provider events to orders, invoices, settlements, and fees — exact matches first, then tolerant matching for timing and currency differences.

Exception Queue

Unmatched and partially matched items surfaced with full context — candidate matches, amounts, and age — so operations resolves them in minutes, not hours.

Reconciliation Reporting

Match-rate metrics, aging of open exceptions, and period summaries formatted for the finance close.

1. Scope — Map providers, internal records, and current manual process; fix matching rules, tolerances, and target match rate.
2. Build — Build ingestion, matching, and the exception queue; replay historical periods to validate rules against known outcomes.
3. Handover — Run parallel with the manual process for one cycle, then cut over with runbooks and rule documentation.

The Payment Reconciliation Automation is a menu item on the Scrums.com delivery catalog, available at every plan tier. Add it to your plan backlog and your delivery team schedules it like any other item — scoped, tracked, and reported through the SEOP. See Delivery Plan Tiers.

Which sources can the pipeline reconcile?

Payment provider events and settlement files (Stripe, Adyen, PayPal, and regional providers), internal order and invoice records, and bank or general-ledger exports. The exact source list is fixed at scoping.

Do we need a transaction ledger first?

No — the pipeline matches against whatever system of record you have today. If balances themselves are unreliable, the Transaction Ledger Implementation is the deeper fix and pairs naturally with this sprint.

What match rate should we expect?

It depends on data quality, which is why the sprint validates rules against replayed historical periods before go-live. The target is agreed at scoping and reported against from the first run.