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Payment gateway reconciliation

Match each paid order to its gateway capture, find orders that were never settled and captures with no order, list chargebacks, and match the payout batches to your bank.

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Upload the gateway's settlement report

Download the transaction-level settlement or payout report from your gateway, for example Checkout.com, Tap, PayTabs, Telr or Stripe, and your orders from Shopify, Magento, WooCommerce or your ERP. Shopify and Magento 2 orders can also come straight 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 Payment gateways 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.

Orders vs. payment gateway settlements

Match paid webstore orders to gateway settlements. Separate out MDR fees, refunds and chargebacks.

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.
  • Gateway settlement report: Transaction-level settlement from your payment gateway.For example: Checkout.com settlement, Tap payouts, PayTabs transactions, Telr statement.

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

What Sawwi checks

  • Paid, not settled: The order is marked paid but there's no gateway capture for it.
  • Settled without an order: Gateway capture with no matching order in the webstore export.
  • Amount mismatch: Captured amount differs from the order total.
  • Chargebacks: Disputed transactions and their status.

Listed for you to review (not calculated automatically yet): refund mismatch; gateway 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

Which gateways are supported?
Any gateway that gives you a transaction or settlement report as CSV, Excel or PDF. Sawwi maps the columns: order reference, transaction type, gross amount, fee and net amount.
Does Sawwi check gateway fees?
The report separates gross, fees and net for every transaction. Comparing the effective fee rate against your contracted rate is listed in the report for review; it isn't calculated automatically yet.
How are cash and BNPL orders treated?
Orders paid by cash on delivery, Tabby, Tamara or other instalments are left out of the gateway check, and reconciled in their own templates against the courier and BNPL reports.

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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