Reconciliation & Settlement

Analytics

Purpose of this Guide

This guide is intended for merchants, developers, and finance teams integrating with Juspay’s Reconciliation & Settlement module. It explains how to use the Analytics & Reporting features to gain actionable insights, identify mismatches, optimize financial processes, and maintain a healthy payment ecosystem.

Why Analytics Matter in Reconciliation

Reconciliation isn’t just about tallying transactions—it’s about building trust, transparency, and control across your payment lifecycle. With multiple parties involved (merchant → payment gateway → bank), discrepancies and delays are inevitable.
“That’s where analytics and reporting play a crucial role.”

Components of the Analytics Dashboard

1. Reconciliation Metrics

Provides a high-level overview of reconciliation activity:

Recon Metrics at a Glance
Recon Metrics at a Glance

Key Metrics Explained:

Scroll inside to view more
Metric
What It Shows
Why It Matters
Recon Success Rate
Percentage of total transactions that have been successfully matched
Helps you assess the health of your reconciliation process
Reconciled
Total number of transactions successfully reconciled
Indicates the volume of error-free, settled transactions
Mismatched
Count of transactions with data discrepancies across sources
Pinpoints potential data or integration issues that need attention
Missing in Recondemo File
Transactions present in other sources but missing in Recondemo (merchant file)
Highlights upload or extraction issues on the merchant side
Missing in Gateway File
Transactions missing in the payment gateway file
Helps detect missed or delayed entries from the PG side
Settlement Amount
Total amount settled to the merchant (₹0 in this case, may indicate a delay)
Crucial for monitoring fund flow and planning cash inflows
Fee Amount
Total gateway charges applied on transactions
Enables cost control and reconciliation of PG fee invoices
Tax Amount
Tax component included in the fees
Useful for tax reporting and invoice reconciliation
Open Issues Panel
Summary of unresolved issues and total missing transactions across all sources
Helps prioritize issue resolution with accurate visibility

2. Reconciliation Results

This section visualizes the Reconciliation Success Rate over a customizable date range. Merchants can select any period (e.g., last 7 days, 30 days, or a custom range) to view how reconciliation has performed over time.

Reconciliation Results
Reconciliation Results

What It Shows:

  • A bar chart representing the reconciliation success rate for each selected date within the chosen range.

  • Each bar displays the percentage of transactions successfully reconciled for that specific date.

3. Reconciliation Ageing

This section shows how quickly your amount is getting settled.

Breaking down Ageing Table:

  • Transaction Date – When the payment happened

  • Total Settled Amount – How much was finally credited

  • Breakdown by Days – How many days it took for the settlement:

    • Settled in < 1 Day = Same-day or next morning

    • Settled in 1–2 Days, 2–3 Days, etc. = Delayed settlements

Reconciliation Ageing
Reconciliation Ageing

Why it’s useful:

  • Helps you track delays in getting paid

  • Gives better control over cash flow planning

  • Lets you follow up with payment partners if SLAs are missed

4. Fee Analytics

This analysis helps you see how much money you’re spending on payment gateway fees and how many transactions those fees were charged on. It also shows this information by date and gateway, so you can easily track and compare your costs.

Breaking down Fee Analytics:

  • Fee Amount: ₹107.55 Cr – This is the total amount charged as fees across all gateways

  • Total Fee Transactions: 59.37 lakh transactions had fees applied

  • Bar Chart by Date: Shows daily fee trends, helping you spot fee spikes or unusual charges

Fee Analytics
Fee Analytics

Why It’s Useful:

  • Spot overcharges: Sudden spikes (like ₹18.2 Cr on May 4,5&7) can be investigated

  • Compare gateways: See which gateway is costing you more in fees

  • Track trends: Monitor fee movement over time to manage costs

5. Summary Table

The Summary Table provides a high-level analytical overview of reconciliation performance across all integrated payment gateways. Also this helps you to get a summary of reconciliation between PG and bank 

5.1 For merchants opted for Two-Source Reconciliation

The Summary Table offers a consolidated snapshot of your reconciliation data and helps you quickly assess gateway reliability, identify mismatches, and understand cost breakdowns such as fees and taxes.

Summary Table
Summary Table

Breaking down Summary Table

  • Gateway 1:

    • High traffic (99.83%), zero mismatches

    • ₹4890 Cr settled, ₹107 Cr in fees, ₹16.4 Cr in taxes

  • Gateway 2:

    • Much lower volume (0.17%), some mismatches (15)

    • ₹30.5 Cr settled, ₹1.97 Cr in fees, ₹2.07 Cr in taxes

How It’s Useful:

  • Compare performance and reliability of different gateways

  • Spot data gaps (e.g., what's missing in merchant or gateway files)

  • Track how much you’re paying in fees and taxes

  • Make better decisions on gateway usage and cost optimization

5.2 For merchants opted for Three-Source Reconciliation

In addition to the above, the Summary Table also includes a detailed comparison between the payment gateway’s reported settlements and actual credits received in merchants bank account, enabling end-to-end traceability.

PG vs. Bank Summary
PG vs. Bank Summary

How It’s Useful:

  • Compares payment gateway reports against actual settlements received in your bank account.

  • Identifies discrepancies where:

    • The PG claims to have settled an amount, but the bank hasn’t received it.

    • The settlement amount in the bank doesn't match the PG report (amount mismatches).

Last updated 9 months ago