Payment Reconciliation
Match every rupee — Cashfree, marketplaces, POS & COD
📅
Cashfree · checking…
Marketplaces · 0 / 4 connected
POS (5 stores) · manual sheets only
🧪
Sample figures. The engine below is live — every number flows through the real gap + profitability logic. Channel rows are seeded with placeholder MTD figures until each feed (CSV / API) is wired. Wire a feed and its row turns from grey "awaiting" to a live computed gap.
🔌 API Connections
Keys live in Netlify env vars · probed server-side · never in this page
Cashfree · checking…
Shopify · checking…
Uniware · checking…
Bluedart · checking…
PayPal · checking…
Shiprocket · checking…
ICICI bank · checking…
Nykaa · Myntra · Banks · POS — no API (CSV)
Unreconciled GAP
₹ —
money owed but not in bank
Money in Transit
₹ —
within courier/gateway SLA
Flagged GAPs
—
channels past SLA
Reconciled · FY25-26
₹ —
credited & matched
Net Contribution
₹ —
after fees + ads + COGS
Worst Channel
—
lowest margin
🚨 Gap Alerts
Every rupee that didn't land where it should — sorted by size · tolerance ₹1
🧮 Reconciliation Matrix — every channel
Did we sell it → should we be paid → did the bank get it? Any "no" = a gap with a rupee value.
Clean
In transit (within SLA)
GAP — flag & chase
Awaiting feed
| Channel | Feed | Gross Sales | Expected (net) | Received | Gap ₹ | Oldest open | Status |
|---|
💰 Profitability — keep / fix / kill
Contribution margin = Net received − COGS − fees/commission − shipping & RTO − ad spend (Meta + Google + GL). TDS/TCS excluded (recoverable).
| Channel | Gross | Fees | Ship + RTO | Ad Spend | COGS | Contribution | Margin % | Verdict |
|---|
💡
Verdict bands: KEEP ≥ 15% margin · FIX 0–15% (squeeze fees/ads/returns) · KILL / REVIEW < 0% (every sale loses money). Tune COGS & ad-spend allocation in Setup. PayPal fees column = cross-border fee (~4.4%) + FX conversion spread (~3-4%); a gap there means PayPal's USD→INR rate undercut the market rate.
Settled (MTD)
₹ 0
Upload CSV to populate
Pending Payouts
₹ 0
T+1 / T+2 in transit
Unmatched Orders
0
Shopify ↔ Cashfree mismatch
Fees MTD
₹ 0
Gateway + GST
TDS Deducted
₹ 0
194-O (1% e-comm)
Refunds / Chargebacks
₹ 0 · 0
MTD count + value
📥 Upload Cashfree Reports
Export from Cashfree Merchant Dashboard → Reports → Settlements / Transactions / Refunds (CSV)
ℹ️
Files are parsed locally in your browser — nothing is uploaded to any server. Reco logic runs client-side.
🔗 Orders ↔ Settlements Match
Auto-match Shopify order IDs to Cashfree cf_order_id / utr
Matched
Pending payout
Unmatched
Refunded
| Date | Shopify Order | Cashfree Txn | Gross | Fees | TDS | Net Settled | UTR / Batch | Status |
|---|---|---|---|---|---|---|---|---|
| No data yet. Upload Cashfree + Shopify CSVs to populate. | ||||||||
📊 Fees / TDS / GST Breakdown
Cashfree — period: MTD
₹ 0
💡
Cashfree standard fees: 1.75–2% + 18% GST for cards/UPI/netbanking. TDS 1% u/s 194-O deducted for sellers with turnover > ₹5L.
↩️ Refunds & Chargebacks
MTD
Refunds initiated
0 · ₹ 0
Refunds completed
0 · ₹ 0
Refunds pending
0 · ₹ 0
Chargebacks / Disputes
0 · ₹ 0
Refund rate
0.0%
🔌 Cashfree API — Server-Side Integration
Keys stored in Netlify env vars · proxied via
/.netlify/functions/cashfree-proxy
🔐
Keys never stored in browser. Netlify function holds
CF_APP_ID + CF_CLIENT_SECRET as environment variables; dashboard only calls the proxy.Environment
—
App ID
—
API Version
—
Host
—
Integration roadmap:
- v1 · CSV upload + browser-side reco ← ready
- v2 · Netlify function + API keys (env vars) → live pull ← wiring now
- v3 · Scheduled nightly pull → Firestore cache
- v4 · Webhooks for txn / refund / chargeback events
- v5 · Auto-match to Shopify via shared order_id → zero-touch reco
🛍️ Multi-channel Revenue & Reconciliation — FY25-26
Auto-fetched daily 07:00–08:30 IST · Myntra / Nykaa / Cashfree settlements / Bluedart COD remittance / Shopify ↔ Cashfree recon
Myntra · net FY25-26
—
— orders
Nykaa · net payout FY25-26
—
— orders
Cashfree · settled FY25-26
—
— txns
Bluedart COD · remitted FY25-26
—
— AWBs
The Loom B2B · transferred FY25-26
—
— months confirmed
Shiprocket · orders ever
—
— modules active
TOTAL NET RECEIVED FY25-26
—
all channels combined
🟣 Myntra Partner Portal — monthly
orders · cust paid · returns · NOD · net received
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🩷 Nykaa Fashion — monthly
orders · sales DP · payout · TDS
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💳 Cashfree PG — monthly
txns · gross · settled · fees+GST
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📦 Bluedart COD remittance — monthly NEFT
NEFT advices · AWBs · amount
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🧵 The Loom B2B — monthly
Statement lines · taxable value · vendor payout · amount transferred
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🚀 Shiprocket — monthly
Orders · gross value · COD vs prepaid · delivered/RTO
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🧾 Vendor invoices — what THEY bill US (monthly)
Cashfree PG fees · Bluedart shipping · Shiprocket Apps · PayPal · others. GST input credit recoverable.
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🎯 Shopify ↔ Cashfree — action items
Confirmed matches vs gaps. Chase the red ones with accounts before treating as revenue.
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🏬 Offline POS Reconciliation
5 stores · Cash + Card + UPI · acquirers: Paytm · PNB · ICICI
POS Sold
—
MTD · all tenders
Received
—
cash deposited + settled
Total Gap
—
sold − received
Cash Undeposited
—
leakage risk
Settlement Pending
—
digital not landed
Flagged Stores
—
gap > ₹1
🧾
POS Sales CSV (VasyERP)
store · tender · amount
💳
Acquirer Settlement CSV
Paytm / PNB / ICICI · gross · MDR · net
🏦
Bank Cash Deposits CSV
store cash → PNB/ICICI credits
🎯
Reconcile
store × tender gap
🕵️
UPI-diversion watch. A UPI sold > UPI received gap for a store/day is the indirect signal of a payment diverted to a personal number. Direct payer/beneficiary VPA matching needs an Employee Directory (name · phone · store · VPA) kept private (PII — never in the GitHub-synced repo). Money landing in an employee's personal account is invisible to us; only the reco gap and refund-beneficiary match are detectable.
📦 COD Reconciliation — Bluedart via Uniware
Uniware OMS (primary COD courier: BlueDart) → Remittance CSV → Bank credit
COD Dispatched
—
MTD
Delivered (cash collected)
—
—
In Transit
—
awaiting delivery
RTO / Cancelled
—
—
COD Expected
—
gross cash at delivery
COD Pending Remittance
—
not yet credited
🔵
Bluedart Remittance CSV
AWB → remittance date → amount credited
🏦
Bank Statement CSV
UTR credits from Bluedart
🎯
3-Way Match
Uniware ↔ Bluedart ↔ Bank
Live COD Shipments (from Uniware)
| AWB | Order # | Dispatch | Delivery | Status | COD ₹ | Courier | Remittance |
|---|---|---|---|---|---|---|---|
| Click Load COD Shipments above to fetch live data from Uniware. | |||||||
ℹ️
Uniware is the source of truth for legs 1-3 (Order → Dispatched → Delivered). Bluedart remittance CSV provides leg 4 (courier → us), bank statement CSV provides leg 5 (money in our account). If the COD table shows 0 rows, click 🔍 Inspect Schema to reveal Uniware's actual courier/AWB field names so we can lock the filter.
⚙️ Reco Setup
Configure gateways, stores, tolerances
Connected Gateways & Couriers
| Source | Status | Mode | Last Sync / Notes | |
|---|---|---|---|---|
| 💳 Cashfree (online PG) | Setup | API (live) | — | |
| 📦 Uniware (Unicommerce) (OMS) | Setup | API (live) | — | |
| 🔵 Bluedart (COD courier) | Setup | SOAP + Apigee REST | — | |
| 🛍 Shopify (orders) | Setup | Admin API | — |
Required Netlify env vars →
Cashfree:
CF_APP_ID, CF_CLIENT_SECRET, CF_ENV (prod|sandbox)Uniware:
UW_TENANT, UW_USERNAME, UW_PASSWORD, UW_CLIENT_ID, UW_CLIENT_SECRETBluedart:
BD_LICENCE_KEY, BD_LOGIN_ID, BD_CUSTOMER_CODE, BD_ENV (prod|staging), optionally BD_APIGEE_KEY + BD_APIGEE_SECRET for Remittance Advice REST