E-Commerce Payment Reconciliation

Introduction

In the fast-moving world of online sales, it’s easy to focus on growing the order book while overlooking a fundamental question:

We’ve sold so much, Where is our money?

Every Entreprenuer is also an Investor of his or her business. Therefore it becomes key to see the business not only from Operational view, but also from Investor's view

From an investor’s perspective, this is not a casual query — it’s a litmus test of how financially healthy and operationally disciplined the business really is.

This is where Recarya comes in: Our E-commerce Payment Reconciliation Software for verifying that every order placed, fulfilled, and recorded has been converted into actual cash in the bank, with every deduction understood and accounted for.

It answers two critical questions:

1. What we earn? - Where is our money?

1. How we earn? - What is the journey of that money from the customer to our account?

1. What We Earn? – Where is Our Money?

This step is about locating every rupee the business has rightfully earned and ensuring it has been received in full and on time.

From an investor’s point of view, unexplained gaps between sales and bank credits are red flags.

If you can’t answer “Where is our money?” with precise figures, reconciliation becomes the investor’s first demand before they trust growth numbers.

Key checks include:

Analytics dashboard on laptop showing charts and KPIs
  • Matching marketplace order reports with bank settlements.
  • Identifying orders that were delivered but not yet paid.
  • Tracking refunds, returns, and cancellations to ensure they are correctly adjusted.
  • Detecting missing or delayed settlements.

2. How We Earn? – The Journey of the Money

Once you know where the money is, the next step is understanding how it travels — and why the amount received often differs from the sale value.

It helps to identify potential leakages in margins and to control them.

For investors, this step reveals the true cost of earning each rupee and highlights areas where margins can be improved.

Key this to be considered:

Printed financial statements with notes and highlights
  • Understanding marketplace commissions, payment gateway charges, and their calculation methods.
  • Reviewing TCS/TDS deductions and GST implications.
  • Accounting for penalties, chargebacks, and logistics fees.
  • Knowing the settlement cycle — when and how often money is released.

Why it matters?


  • Ensures reported sales are backed by actual cash flow.

  • Reduces the risk of hidden financial leakages.

  • Provides confidence in valuation by presenting a clean, reconciled financial picture.

  • Offers data for better forecasting and investment decisions.

Investor meeting handshake over financial reports

Conclusion

By answering “Where is our money?” and “How do we earn it?” with clarity and data, you protect margins and strengthen your position in business.

While the principles of reconciliation remain the same, using a dedicated Recarya : Our E-Commerce Payment Reconciliation Software provides Business Overview with Investor's lens to help you understand your business in Easy and Effective Way.

Author: CA Maheshwari

Date: 14th August, 2025

Authorised Service Partner of
Supported & Incubated by
Authorised Service Partner Flipkart
Supported by Startup India Supported by Startup India
Blogs Feedback Form Contact Us Terms of Service Privacy Policy Refund Policy About us