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Financial Reconciliation

Reconciliation is the automated process of cross-checking SolydFlow's Immutable Ledger against raw settlement records and payout statements from your connected payment gateways (Paystack, Stripe, Flutterwave, M-Pesa).

[1. Ingest Bank/Gateway Records] ➔ [2. Match Identifiers] ➔ [3. Compare Amount & State] ➔ [4. Flag / Settle Variances]

While Verification audits a single payment reference in real time, Reconciliation operates across batches of transactions to guarantee that your application revenue, merchant payouts, and bank deposits agree to the cent.

Verification vs. Reconciliation​

DimensionTransaction VerificationFinancial Reconciliation
ScopeSingle transaction reference (ref_102938).Batch of transactions or daily payout statements.
TriggerReal-time (User checkouts, timeouts, or webhooks).Scheduled (Daily, weekly, or on-demand via Console).
Core Question"Did this customer pay right now?""Do our ledger totals match bank payouts?"
Primary BeneficiaryClient app & customer (Unlocks entitlements).Finance, accounting, and audit compliance teams.

The 4 Reconciliation Outcomes​

When SolydFlow compares gateway payout files against your project's ledger, transactions are classified into four states:

OutcomeMeaningSolydFlow Action
MATCHEDReference, amount, currency, and state match perfectly.Reconciled ✅ (No action needed).
MISMATCHEDReference matches, but amount or state diverges.Flagged for review; Consensus Engine evaluates variance.
MISSING_IN_LEDGERGateway debited a customer, but no SolydFlow record exists.Created and attributed via the customer's phone or email.
MISSING_AT_GATEWAYIntent created in SolydFlow, but gateway has no record.Marked as ABANDONED / FAILED_DECLINED.

Handling Financial Variances​

Not all differences are simple errors. SolydFlow classifies discrepancies into specific categories:

1. Amount Variances​

Occurs if a customer was charged a fee or transferred an incorrect amount:

  • Expected: ₦10,000 (1000000 kobo).
  • Gateway Statement: ₦9,500 (950000 kobo).
  • SolydFlow Action: Flags an AMOUNT_DISCREPANCY. Entitlement is held until approved or pro-rated.

2. Currency Variances​

Occurs if a gateway converted funds using an unexpected foreign currency rate:

  • Expected: $10.00 USD.
  • Gateway Statement: ₦15,000 NGN.
  • SolydFlow Action: Validates against the package currency mapping before reconciling.

3. Processing Timestamp Differences​

  • A customer initiates a bank transfer at 11:58 PM on August 31st, but interbank settlement clears at 12:05 AM on September 1st.
  • SolydFlow links both timestamps to prevent end-of-month accounting discrepancies.

Reconciliation Report Schema​

When reconciliation identifies an anomaly, it generates an auditable record in the SolydFlow Console → Reconciliation:

Reconciliation Variance Record (JSON)
{
  "reconciliation_id": "rec_01J8K9X4M2D7E4F1",
  "batch_date": "2026-08-27",
  "provider": "paystack",
  "status": "MISMATCH_DETECTED",
  "discrepancy": {
    "type": "STATE_DIVERGENCE",
    "transaction_id": "txn_01J8K9B2D7E4F1A0C5E8",
    "provider_reference": "ref_pstk_89283ab71928",
    "ledger_state": "PENDING",
    "provider_state": "SUCCESSFUL",
    "amount_minot": 500000,
    "currency": "NGN"
  },
  "resolution": {
    "action": "AUTO_RECONCILED",
    "new_state": "SETTLED_CONSENSUS",
    "timestamp": "2026-08-27T02:00:15Z",
    "note": "Reconciled during midnight automated batch sweep"
  }
}

Running Reconciliation in Practice​

  1. Continuous Event-Driven Sync: As webhooks and Sweeper queries arrive, individual transactions are reconciled in real time.
  2. Automated Midnight Batch: Every 24 hours, SolydFlow compares gateway settlement logs against your internal ledger.
  3. On-Demand Console Sync: Finance teams can click "Run Reconciliation" in the console before closing monthly books.