Who this is for
A bookkeeper, finance manager or small-business owner whose payment processor and accounting system are connected by an integration and who only finds mismatches at month-end, when they are hard to trace.
The bank reconciliation keeps turning up unexplained amounts, or a past month was corrected late because a refund or payout never reached the ledger.
The result
Every month you receive a drift list comparing the processor's payouts, refunds and fees with the ledger for the same period, in the agreed currency, in which each difference is either explained with evidence or open with the next step named.
What is included
- A monthly comparison for one processor account (Stripe or PayPal) and one ledger, in one currency, for the agreed period (further currencies are quoted separately)
- Totals and counts for payouts, refunds and fees, and a line-level match by the processor's own identifiers
- A drift list: matched, explained, and open items, each with the identifiers needed to find it
- A short written summary of what changed since last month and what is still open
You receive
- A monthly drift list and a short written summary
- For each open item, the evidence and the offered next step, such as one of the fixed jobs that would remove the cause
- A running list of causes found, so repeated ones are visible
What is not included
- Bookkeeping, tax, audit or any accounting advice, or deciding how a transaction should be treated in your accounts
- Posting, editing or deleting records in your live accounting system: your authorised account holder does that
- Correcting differences: findings are reported, and any fix is a separate, agreed job
- Assurance, audit opinions or a statement that your accounts are correct
- Out-of-hours cover or any guaranteed response time
What we need from you first
- The processor, the accounting system and the currencies involved
- How payouts, refunds and fees are recorded in the ledger today, in a few sentences
- Who in your team reads the monthly list
Never send passwords, keys, customer records or confidential code in the first enquiry. Secure handover is agreed after scoping.
How we check it is done
- Each month's list covers every payout, refund and fee in the processor's export, and its totals can be recomputed from the two exports.
- Every difference shows its processor identifier, the ledger reference if any, the amount and a status of explained or open.
- No new fix, post or edit has been made in your systems by us.
You read each list and tell us whether the matching rule and tolerance still suit you. A month counts as delivered when you have received the list and the summary.
When we would stop or decline
- The ledger entries cannot be tied to processor identifiers and none can be added
- Most differences come from sources outside the agreed processor and ledger
- Reports are unavailable without giving us write access or login credentials, which we do not take
Questions
Is this an audit or a reconciliation service?
No. It is a data comparison between your processor and your ledger. It does not give assurance, does not post anything and does not replace your accountant's reconciliation.
What happens when it finds a difference?
The list explains it with identifiers. If a cause keeps repeating, we offer the fixed job that removes it; nothing starts without your written agreement.
Do you need access to my accounting system?
Only read-only exports that you generate, limited to identifiers, amounts, dates and currencies. If you would rather give a read-only user role, it sees whatever that role can see in your accounting system, which may be more than the agreed accounts, so we recommend the export. We never post or edit.
Price and terms
£295/month · untested offer price. Billing is monthly under the written terms we agree with you. Nothing is charged until you have agreed them.
This is a new service with no published client results. The price is a starting point we have not yet tested with buyers. Nothing is ordered or charged by the enquiry. The full specification is on the Synthetic Industry catalogue.