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Bank reconciliation for marketplace, gateway and COD payouts

Every payout you expect, from marketplaces, payment gateways, BNPL providers and couriers, matched to a credit on your bank statement, with FX differences and missing payouts called out.

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Upload your bank statement as CSV, Excel or PDF

Download the statement from online banking as CSV or Excel, or upload the PDF. Sawwi reads PDF statements from their text layer, or with OCR on the server for scanned pages, and checks the opening and closing balances before matching. Password-protected PDFs need to be unlocked first.

There is no live bank feed yet: statements are uploaded. Sawwi reads CSV, Excel and PDF files. It maps the columns for you, asks a one-click question when something is ambiguous, and remembers the layout, so next month's export asks nothing.

4 Bank reconciliation reconciliations

Matching is done by Sawwi's own rules engine on keys, amounts and dates, never by AI, so the same files always give the same report.

Bank statement vs. expected payouts

Match every payout you expect from marketplaces, gateways, BNPL providers and couriers to actual bank credits, including FX differences.

Files you need

  • Expected payouts: Payout batches from one or more providers (marketplace, gateway, BNPL, courier).For example: Marketplace disbursement summary, Gateway payouts list, Courier remittance summary.
  • Bank statement: Bank statement for the account that receives payouts.For example: Emirates NBD / ADCB / Al Rajhi / SNB statement (CSV or Excel), MT940 converted to CSV.

What Sawwi checks

  • Payout not credited: Provider says paid, but the bank shows no credit.
  • Unidentified bank credit: Bank credit not linked to any payout.
  • FX / bank charge difference: The amount differs because of currency conversion or bank charges.

Webstore sales by payment method vs. payouts and bank

Total webstore sales per payment provider (card, PayPal, Apple Pay, Tabby, COD), check each paid out what you sold, and that every payout reached the bank.

Files you need

  • Webstore sales by payment method: What the store sold in the period per payment provider and method, net of refunds paid back through the provider.For example: Magento 2 sales by payment method, Shopify sales by payment gateway report, WooCommerce payment gateway totals.
  • Expected payouts: Payout batches from each provider, with the fees it kept. Name each provider as in the store's sales report (e.g. Stripe, PayPal, Tabby, Cash on delivery).For example: Marketplace disbursement summary, Gateway payouts list, Courier remittance summary.
  • Bank statement: Bank statement for the account that receives payouts.For example: Emirates NBD / ADCB / Al Rajhi / SNB statement (CSV or Excel), MT940 converted to CSV.

The Magento 2 / Adobe Commerce connector can fill: Webstore sales by payment method.

What Sawwi checks

  • Sold, not yet paid out: The provider paid out less (before its fees) than the store sold through it: payouts still to come, or money missing.
  • Paid out more than sold: The provider paid out more than the store sold through it: orders missing from the store export, or another period's sales.
  • No payouts from this provider: The store sold through a provider that sent no payout in the period.
  • Payouts from a provider with no sales: A payout from a provider the store's report doesn't name. Check the provider's name matches.
  • Payout not credited: Provider says paid, but the bank shows no credit.
  • Bank credit differs from the payout: The amount differs because of currency conversion or bank charges.
  • Unidentified bank credit: Bank credit not linked to any payout.

Customer payments vs. open invoices

Apply each business customer's payment to the invoices it settles. Flag short payments, overpayments and receipts nobody has applied.

Files you need

  • Open invoices / AR register: Invoices raised to business customers, from your ERP or accounting system.For example: Odoo / Zoho / SAP B1 / Tally AR ageing, Customer invoice register.
  • Customer receipts: Payments received from customers. A bank statement or a receipts register from your ERP both work.For example: Bank statement (credits), ERP customer receipts register, Remittance advices.

The Microsoft Dynamics 365 Business Central connector can fill: Open invoices / AR register.

What Sawwi checks

  • Unapplied receipt: Money received that can't be tied to any invoice.
  • Short paid: Customer paid less than the invoice. Often a deduction, discount taken or bank charge.
  • Overpaid / duplicate payment: Paid more than invoiced, or paid the same invoice twice.
  • Overdue invoices: Open beyond credit terms, with ageing buckets.

Post-dated cheques vs. bank clearing

Track every PDC from receipt to clearing: due but not deposited, bounced, or cleared for a different amount.

Files you need

  • PDC / cheque register: Cheques received from customers, including post-dated ones.For example: ERP PDC register, Cheque log (Excel).
  • Bank statement: Bank statement for the account that receives payouts.For example: Emirates NBD / ADCB / Al Rajhi / SNB statement (CSV or Excel), MT940 converted to CSV.

What Sawwi checks

  • Due, not deposited: The cheque date has passed but no bank credit was found.
  • Returned / bounced: Credit followed by a reversal, or a return entry with charges.
  • Cleared for a different amount: The bank credit differs from the cheque amount.
  • Upcoming maturities: PDCs due in the next 7 and 30 days, for cash planning.

How it works

  1. 1

    Pick the reconciliation

    Each one knows which files it needs and what to check.

  2. 2

    Add the files

    Upload exports as they are, or pull them from a connection. Columns are mapped for you and remembered.

  3. 3

    Work the exceptions

    Every exception with its value, ranked by what it costs you, and every table downloads to Excel.

Questions

Can I upload a PDF bank statement?
Yes. Sawwi reads the statement table from the PDF, including multi-page tables and wrapped descriptions, and checks the running balance before it matches anything. Scanned statements are read with OCR on Sawwi's server; nothing is sent to an outside service.
Does Sawwi connect to my bank?
Not yet. Statements are uploaded. A bank feed through a licensed open-banking provider is planned, not built.
Can it track post-dated cheques?
Yes. The PDC reconciliation follows each cheque from your register to the bank: due but not deposited, bounced, or cleared for a different amount.

Related reconciliations

Bring last month's exports and see what's missing.

Setup takes two minutes. Or try the demo store with invented data first, no sign-up.

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