Settlement & Reconciliation
MoneyHash Settlement & Reconciliation gives your finance team a unified view of all payment settlements across every PSP and acquirer, without spreadsheets, manual column mapping, or month-end surprises.
What you can do
- Upload settlement files from any supported PSP in under 30 seconds
- See file-level summaries (gross, fees, net) the moment a file is processed
- Track every settleable transaction and whether it has been matched to a settlement entry
- Identify discrepancies immediately with automated mismatch detection
- Filter, drill down, and export — at the operation level or the order level
Step 1: Upload a Settlement File
Navigate to: Manage your settlement → Upload Files tab → click Upload (top right)
A two-step modal appears:
Step 1 — Select a Template
Choose your PSP from the searchable dropdown. MoneyHash has pre-built templates for all major regional and global PSPs. No column mapping or scripting required — select the provider and the system handles normalization automatically.
If your PSP is not listed, contact your MoneyHash account manager. Custom templates can be added once a sample file is provided.
Step 2 — Upload the File
Drag and drop your file or click to browse. Accepted formats: CSV and Excel (.xlsx). Click Upload file to confirm. The entire process takes under 30 seconds.
Behind the scenes
Once uploaded, MoneyHash normalizes the file into a unified schema regardless of how the PSP formatted it. Gross amount, fees, net settled amount, settlement dates, currencies, and transaction identifiers all map to the same structure.
Step 2 — Review File-Level Tracking
After uploading, stay on the Upload Files tab. Each file appears as a row and updates immediately.
| Column | Description |
|---|---|
| File Name | Original filename from the PSP |
| Template Type | Which PSP template was applied |
| Status | Completed / In Progress / Pending |
| Uploaded At | Timestamp of when the file was received; for audit and compliance |
| Currency | Settlement currency of that file |
| Gross Amount | Total gross value across all entries in the file |
| Gross Fees | Total fees and taxes charged by the provider |
| Net Amount | Net settled amount after fees and taxes |
This view gives you immediate top-line confirmation that a file was received and processed. The timestamp is your audit trail; you always know exactly when each settlement report arrived.
Step 3 — Explore the Dashboard
Navigate to: Click the Dashboard tab. You land in Operation View by default.
Operation View
Operation View shows a unified list of all settleable operations — every operation that moves money and is expected to receive a settlement from a provider.
Understanding the Two Status Types
Settlement Status: did the money move?
| Status | Meaning |
|---|---|
| 🟡 Unsettled | Transaction was successful but has not yet appeared in any uploaded settlement file. Expected but not yet confirmed by the provider. |
| 🟢 Settled | Transaction was found in an uploaded settlement file and linked to a settlement entry. |
Reconciliation Status: does the math add up? (only visible once Settled)
| Status | Meaning |
|---|---|
| 🟢 Matched | All key fields — amount, fee, currency — are consistent between MoneyHash data and the provider's settlement file. |
| 🔴 Mismatch | A discrepancy was detected, typically in amount, fee, or currency between what MoneyHash recorded and what the provider reported. |
Use Unsettled transactions proactively. You can see which transactions are still outstanding before the settlement file even arrives.
Step 4 — Switch to Order View
Navigate to: Click the Order View toggle at the top-left of the Dashboard, next to Operation View.
Order View groups the same transactions by order, where each row represents a merchant reference. Useful when you reconcile at the order level — especially with partial refunds, multiple captures, or complex payment flows.
Columns visible: Merchant Ref · Captured Amount · Refunded Amount · Operation Types · Last Updated
- Click the › dropdown on any row to expand and view individual operations within that order
- Orders with both a Purchase and a Refund show both in the nested table, each with their own independent settlement and reconciliation status
Step 5 — Drill Into a Transaction
Navigate to: Filter by Settlement Status = Settled → click any row to open the operation details modal.
The modal shows two panels side by side:
| MoneyHash Payment | Settlement (from PSP file) |
|---|---|
| Operation type | Operation type |
| Amount charged | Gross amount settled |
| Intent ID | Fees charged by provider |
| Transaction ID | Taxes applied |
| Payment method | Net amount after fees & taxes |
| Provider connection | Provider name |
| Intent payment status | Merchant reference |
| Card brand & BIN | Settlement date |
| Card issuer | Settlement file reference |
| Authorization code | — |
The Reconciliation Status at the top of the modal confirms at a glance whether both sides agree.
Card BIN, brand, issuer, and authorization code are all surfaced here, so if a mismatch pattern is tied to a specific card network or issuer, it becomes visible immediately.
Step 6 — Filter & Export
Navigate to: Click the Filters button at the top right of the Dashboard. Available in both Operation View and Order View.
| Filter | What it does |
|---|---|
| Settlement Status | Focus on Settled or Unsettled transactions |
| Reconciliation Status | Isolate Mismatches that need investigation |
| Service Provider | Scope to a single PSP — essential for multi-provider operations |
| Settlement File | Review transactions tied to a specific settlement cycle |
| Settlement Currency | Filter for multi-currency operations |
| Intent ID | Look up a specific payment intent |
| Operation Source | Filter by whether the operation originated inside or outside MoneyHash |
Exporting
- Select rows using checkboxes, or use the header checkbox to select all
- A floating action bar appears showing the count of selected rows — click Export
- A CSV or Excel file is generated in a unified format across all providers, ready for audit, PSP escalation, or internal reporting
Automating File Uploads
If your team prefers not to upload files manually, two automation paths are available:
- API upload: Push settlement files programmatically to MoneyHash as soon as you receive them from your provider. Contact your account manager for the API endpoint and authentication details.
- Provider-side retrieval: For providers that support SFTP or API-based file delivery, MoneyHash can pull settlement files directly. Ask your account manager whether your provider is supported.
Goal: Zero manual file handling. Whether you push via API or MoneyHash pulls from the provider, the reconciliation flow is identical once the file is ingested.
Updated about 11 hours ago