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BNPL reconciliation for Tabby and Tamara

Check that every order paid with buy-now-pay-later was captured by the provider, that refunds match on both sides, and that each payout batch reached your bank.

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Upload the BNPL settlement report

Download the settlement or payout report from Tabby or Tamara, and your orders from Shopify, Magento, WooCommerce or your ERP. Shopify and Magento 2 orders can come from their connectors.

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.

2 BNPL (Tabby, Tamara) 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.

BNPL settlements vs. orders

Reconcile Tabby / Tamara-style settlements: orders captured, refunds, merchant fees and payout batches.

Files you need

  • Webstore order export: Orders exported from your store admin for the period.For example: Shopify orders CSV, Magento 1 order grid export, Magento 2 / Adobe Commerce order export, WooCommerce orders.
  • BNPL settlement report: Order-level settlement report from your BNPL provider.For example: Tabby settlement report, Tamara payout report.

The Shopify connector can fill: Webstore order export. The Magento 2 / Adobe Commerce connector can fill: Webstore order export.

What Sawwi checks

  • Shipped, not captured: Order was fulfilled but the BNPL capture is missing, so you won't be paid.
  • Refund mismatch: Refund in the store differs from the BNPL refund.

Listed for you to review (not calculated automatically yet): merchant fee above agreed rate.

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.

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

Does Sawwi connect to Tabby or Tamara?
Not directly. Download the settlement report from the provider's merchant dashboard and upload it.
What does the BNPL reconciliation check?
Orders you shipped that have no BNPL capture (so you won't be paid for them), and refunds that differ between your store and the provider. The provider's fee against your contracted rate is listed for review, not calculated yet.

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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