NAYA + Checkout.com Integration
NAYA's Checkout.com integration automates payment reconciliation for businesses processing through Checkout.com. With support for the new Reconciliation API, multi-currency settlements, and complex fee structures, NAYA matches every transaction to your bank deposits and general ledger.
Integration Benefits
Reconciliation API Integration
Direct connection to Checkout.com's Reconciliation API for unified payment and payout data. NAYA ingests financial actions by payout ID automatically.
Multi-Currency Settlement Matching
Automatic FX conversion tracking across 150+ currencies, with full support for GCC currencies (AED, SAR, EGP) critical for MENA-region businesses.
Fee Reconciliation
Validate scheme fees, interchange, and processing costs against expected rates. NAYA automatically reconciles invoices that span multiple settlement periods.
Dispute Tracking
Automatic chargeback and dispute reconciliation with real-time status tracking. Never miss a dispute cycle or miss-timed response window.
Payout-to-Bank Matching
Intelligent date handling for Checkout.com payout schedules vs actual bank credits. Handles the T+1 to T+3 regional settlement timing variations automatically.
How to Connect
Generate Checkout.com API Keys
In the Checkout.com Hub, create an API key with Processing and Reconciliation API access. NAYA requires read access to payments, financial actions, and payout reports.
Configure Webhook Endpoints
Add NAYA's webhook endpoint in your Checkout.com Hub settings. Enable payment, dispute, and payout event types for real-time reconciliation updates.
Map Entity Structure
Configure your Checkout.com channels and processing accounts in NAYA. For multi-entity setups, map each regional account to the corresponding NAYA entity.
Enable Financial Report Delivery
Activate financial report delivery in Checkout.com Hub to send settlement and reconciliation reports to NAYA automatically. This ensures complete historical coverage.
Validate with Test Transactions
Run test transactions through Checkout.com's sandbox and verify NAYA matches them correctly. Check multi-currency, dispute, and payout scenarios before enabling production.
Checkout.com Reconciliation: Automated Settlement Matching for Growing Businesses
Checkout.com processes billions in payments for businesses across MENA, Europe, and the US. But matching every payment, payout, fee, and dispute to your internal records is a manual process that breaks at scale. NAYA's Checkout.com integration closes this gap.
The Checkout.com Reconciliation Problem
Finance teams using Checkout.com face a common set of reconciliation challenges: settlement timing varies by region (T+1 to T+3), invoices don't reconcile directly to payouts because fees can span months, and multi-currency FX conversions create complex gain/loss tracking requirements. For businesses processing in GCC currencies (AED, SAR, EGP), these problems multiply.
How NAYA Automates Checkout.com Reconciliation
NAYA connects directly to the Checkout.com Reconciliation API and ingests financial actions by payout ID. Every transaction — payment, refund, chargeback, fee — is matched to the corresponding bank deposit using NAYA's AI reconciliation engine. Mismatches surface immediately with full context, so your team spends time on exceptions, not manual matching.
FAQ
How does NAYA connect to Checkout.com?
NAYA connects via the Checkout.com Reconciliation API and webhooks for real-time event streaming. API calls retrieve historical payments, payouts, refunds, and disputes while webhooks handle live transaction events.
What Checkout.com data does NAYA sync?
NAYA syncs payments, payouts, refunds, disputes, fees, and financial actions. All data is normalized and matched against your internal records and bank deposits for complete reconciliation coverage.
Does NAYA support the new Checkout.com Reconciliation API?
Yes. NAYA has full support for the Checkout.com Reconciliation API including financial actions by payout ID, giving you granular reconciliation at the transaction level within each settlement batch.
How does NAYA handle Checkout.com multi-currency settlements?
NAYA applies automatic FX rate tracking with realized gain/loss reporting for every currency conversion. This is critical for businesses operating across MENA, Europe, and the US with GCC currency settlements.
Can NAYA reconcile across multiple Checkout.com entities?
Yes. NAYA supports multi-entity and multi-region Checkout.com configurations. This is common for businesses with separate regional processing accounts in the UAE, Saudi Arabia, or UK.