Complex Split Payouts and Gateway Fee Reconciliation for Marketplaces and PSPs
Reconcile multi-vendor checkouts, isolate payment gateway fee deductions, track rolling seller reserves, and resolve multi-currency settlement legs with deterministic proof.
Reconciliation is the mechanism. Proof is the product.
Marketplaces and payment service providers operate at the intersection of high velocity and complex multi-party liability. NAYA turns chaotic transaction legs into verifiable financial proof across platforms, gateways, and bank accounts.
Marketplace Settlement Architecture
Marketplaces operate as multi-sided financial conduits. NAYA delivers the continuous proof layer that verifies buyer capture, platform commission deductions, and vendor disbursements across complex settlement timelines.
Complex Split Payment Matching
Reconcile multi-vendor transactions where a single buyer checkout splits into multiple merchant disbursements, platform commissions, sales tax deductions, and payment processing fees without balance leakage.
Gateway Fee Reconciliation (Gross-to-Net)
Audit payment processor fees line by line across Stripe, Adyen, and Checkout.com. Expose hidden interchange creep, uncollected spreads, and processor overcharges before funds settle.
Seller Reserves & Custodial Proof
Track rolling seller reserves, dispute chargeback clawbacks, and verify that aggregate platform custodial bank balances equal 100% of outstanding seller liabilities every single day.
Four Checkpoints of Marketplace Settlement
Complete verification from buyer checkout to cross-border merchant payout.
Cart Decomposition & Escrow
Instantly split gross merchandise value into net merchant liabilities, platform commission take-rates, and sales tax withholdings with programmatic escrow tracking.
Gross-to-Net Fee Verification
Execute continuous 3-way matching between platform transaction records, payment processor settlement logs, and custodial bank account deposits.
FX Conversion & Value-Date Timing
Normalize multi-currency buyer captures and international vendor payouts, matching applied exchange rates and accounting for regional value-date settlement lags.
Custodial Balance Attestation
Verify daily that custodial client bank balances equal 100% of outstanding seller liabilities, generating verifiable proof packs for audit and regulatory compliance.
Marketplace & PSP Reconciliation FAQs
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