Reconcile payment gateway, bank and ERP flows
Disaggregate Stripe/Adyen/SumUp payouts, reconcile them against bank receipts and GL entries.
Introduction
The payment processor aggregates dozens of transactions into a single net payout after deducting fees. Reconciling this payout against individual transactions, bank receipts and accounting entries is a monthly headache, often approximate or simply not done.
Phacet imports transactions and payouts from your gateway (Stripe, Adyen, SumUp), disaggregates each payout (gross, fees, net), reconciles amounts against your bank receipts and GL entries, and identifies discrepancies (disputes, refunds, unrecorded fees).
When to use this Phacet
Built for CFOs, treasurers or e-commerce accountants who want to:
• Understand exactly what each Stripe/Adyen bank transfer contains.
• Reconcile individual transactions against the net payout and GL entries.
• Track gateway fees period by period and record them correctly.
• Detect unprovisioned disputes and refunds.
AI skills involved
Automatically pull key data points from your documents
Phacet identifies and extracts the fields that matter — invoice numbers, amounts, due dates, IBANs, supplier references, VAT codes, contract terms — even from unstructured or inconsistent documents. Data comes out clean and ready to use in the next step.
Automatically match your data across files, tools and systems
Phacet cross-references your data across sources - invoices vs. payments, POs vs. receipts, bank lines vs. GL entries, CRM deals vs. billing records. It tells you exactly what matches, what's missing, and what's off. No VLOOKUP, no manual comparison.
Validate every line against your rules, thresholds and references
Define your rules once - negotiated prices, spending caps, expense policy, contract conditions, approval thresholds - and Phacet applies them to every single row, every time. Every discrepancy is flagged with the exact reason, ready for review.
Spot duplicates, outliers and suspicious patterns in your data
Phacet scans your full dataset to surface what shouldn't be there - duplicate payments, abnormal amounts, unknown suppliers, unusual timing patterns, RIB changes. It catches what rules alone can't predict, without requiring you to define every possible scenario upfront.
Get notified on what matters and share results without manual work
Phacet sends alerts the moment a threshold is crossed or an anomaly is detected by email, Slack or in-app. It also generates summaries, dashboards and structured exports ready to send to your ERP, your team or your management. Results reach the right people at the right time, automatically.
Business impact
Reliable revenue accounting, gateway fees traced
Every transaction is reconciled from payout to bank receipt to GL entry. No more approximations on actual revenue.
Disputes and refunds detected
Unprovisioned disputes and unrecorded refunds are identified automatically. No more surprises at month-end.
88% time savings on gateway reconciliation
From 1-2 days per month to 30 minutes of exception review. The reconciliation is fully automatic.
Integrated with everything
Smartbox
Nous avons mis en place une application pour le matching entre paiements et factures dans notre département finance. Résultat : un gain de productivité multiplié par quatre.
Steps to get Started
Import your transactions and payouts
From Stripe Dashboard, API or CSV — plus bank statements and GL export.
Phacet breaks down each payout
Gross, fees, net — matches transactions with bank receipts and GL entries.
Unmatched transactions flagged
Missing refunds, unprovisioned disputes, unrecorded fees: everything surfaced automatically.
Handle exceptions
Validate the reconciliation and export to your ERP with gateway fees allocated by period.
Unlock your AI potential
Do more with your existing resources using tailored AI solutions.
Frequently Asked Questions
Stripe, Adyen, SumUp, Mollie, GoCardless, and any processor exporting data in CSV or via API.
Phacet isolates the fees of each payout (commission, dispute fee, refund) and allocates them by period for accounting.
Yes. Phacet identifies open disputes, missing provisions and unrecorded resolutions.
Yes. Phacet consolidates data from multiple processors and reconciles them against a single accounting system.
Both. Phacet reconciles each transaction to its payout, then the payout to the bank receipt, then to the GL entry.
