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Every ecommerce brand, D2C seller, and marketplace merchant loses revenue they never know about — through short settlements, duplicate deductions, commission miscalculations, and unreversed penalties. Payment reconciliation is the process of matching every order, return, payout, and fee across your payment gateways and marketplaces to ensure you receive every rupee you're owed.
At Growth NextGen, we run end-to-end payment reconciliation for businesses selling on Amazon, Flipkart, Meesho, Myntra, their own websites, and through payment gateways like Razorpay, PayU, and Cashfree. We identify discrepancies, recover missing payouts, and build systems that give you real-time financial visibility — so you always know where your money is.
What We Deliver
From settlement matching to dispute filing — every rupee tracked, every discrepancy recovered.
We match every marketplace settlement and payment gateway payout against your orders, returns, and fees — identifying every short payment, missed credit, and unexplained deduction.
Automated and manual review of commission errors, TDS miscalculations, duplicate charges, incorrect return deductions, and penalty disputes across all channels.
We file claims and raise disputes with marketplaces and payment gateways on your behalf — recovering short-paid settlements, wrongful deductions, and pending reversals.
Clean, structured MIS reports covering order-level P&L, channel-wise settlement summaries, pending payouts, and reconciliation status — ready for your finance team.
We run reconciliation as a monthly managed service — so every settlement cycle is reviewed, every discrepancy is flagged, and nothing slips through the cracks.
TDS deducted by marketplaces tracked and matched against Form 26AS — ensuring your tax credits are correctly recorded and reconciled for ITR filing.
Who We Help
Different channels have different reconciliation challenges. We tailor our process to your exact payment ecosystem.
Brands selling on Amazon, Flipkart, Meesho, Myntra, or Nykaa who deal with complex settlement reports, commission deductions, and return adjustments every week.
Best for: Amazon, Flipkart, Meesho, Myntra, Nykaa, Ajio sellers
Direct-to-consumer brands and businesses using Razorpay, PayU, Cashfree, or Paytm who need full visibility into collections, refunds, chargebacks, and gateway fees.
Best for: D2C brands on Razorpay, PayU, Cashfree, Paytm, Stripe
Our Process
A structured 6-step process that matches every transaction, catches every error, and recovers every rupee owed to you.
We collect settlement reports, order data, return logs, and payment gateway statements from all your channels — standardizing formats for a unified reconciliation workflow.
Every order is matched against its corresponding settlement entry — flagging unmatched orders, partial payments, and missing credits at the transaction level.
We surface every type of discrepancy — short settlements, commission overcharges, duplicate deductions, incorrect return adjustments, and unexplained penalty deductions.
We prepare and raise claims with marketplaces and payment gateways on your behalf — tracking every open dispute through to resolution and confirmed reversal.
Clean, structured reconciliation MIS reports delivered to your finance team — covering settlement summaries, discrepancy logs, recovery status, and channel-wise P&L.
Reconciliation runs as a continuous monthly managed service — every new settlement cycle reviewed, every new discrepancy flagged, and trends tracked to prevent recurring errors.
Platforms
Every platform has its own settlement format, deduction logic, and dispute process — we know them all inside out.
Settlement report reconciliation, FBA/FBF fee audits, return deduction matching, A-to-Z claim tracking, and TDS reconciliation for Amazon and Flipkart sellers.
Order-level payout matching, commission audit, return reconciliation, and penalty dispute management for Meesho, Myntra, Nykaa, and Ajio seller accounts.
Gateway settlement to bank matching, refund vs reversal reconciliation, chargeback tracking, MDR fee audit, and monthly payout summary reports.
Cashfree and Paytm payout reconciliation — matching transfers, tracking failed payouts, auditing gateway fees, and reconciling split payment settlements.
International payment reconciliation for Stripe, PayPal, and cross-border gateways — including currency conversion tracking and forex gain/loss reporting.
Custom reconciliation workflows for businesses with ERP systems (Tally, SAP, Zoho Books) — matching payment data against ledgers and purchase orders.
Case Studies
Real businesses, real discrepancies, real money recovered.
Amazon / D2C
A D2C personal care brand selling on Amazon India had never reconciled their settlements. Our audit of 6 months of data uncovered ₹14L in short payments — caused by commission miscalculations, unprocessed return reversals, and FBA fee errors. We filed and recovered 91% of the disputed amount within 60 days.
Flipkart / Fashion
A mid-sized fashion brand on Flipkart was seeing high return rates and shrinking settlements but couldn't pinpoint why. Our order-level reconciliation identified ₹8L in return deductions applied to orders that were never actually returned — plus ₹1.2L in duplicate penalty charges. Full recovery was completed in 45 days.
Razorpay / D2C
A consumer electronics D2C brand using Razorpay had never reconciled gateway payouts against bank deposits. Our 90-day audit surfaced ₹3.8L in unmatched transfers — driven by failed payout retries settled at different amounts, and refunds reversed but not credited. We built an automated monthly reconciliation system to prevent recurrence.
Multi-Channel / FMCG
An FMCG brand selling across Amazon, Flipkart, their own WooCommerce store (Razorpay), and modern trade had completely siloed finance data. We built a unified reconciliation framework across all 4 channels — surfacing ₹22L in cumulative discrepancies over 12 months and delivering a single monthly MIS that the CFO now presents to the board.
Fixed-scope and retainer packages with clear deliverables and fast turnarounds. Every engagement starts with a free audit. Start from $199.
Starter
Growth
Enterprise
All engagements begin with a free 3-month settlement audit to quantify your discrepancies before you commit. No obligation.
FAQ
Most marketplace sellers are — they just don't know it. Common signs include settlement amounts that don't match your expected payouts, high return deductions that seem disproportionate to actual returns, or penalties you can't trace to specific orders. A free audit will surface the exact figures within 72 hours.
We need your settlement reports (downloadable from seller dashboards), order data exports, and return logs for the period you want reconciled. For payment gateways, we need payout/transaction reports and bank statements. We provide a simple checklist once you onboard.
Recovery timelines depend on the platform. Amazon typically resolves valid claims in 15–30 days. Flipkart and Meesho take 20–45 days. Payment gateway discrepancies are usually resolved faster — within 7–15 business days. We track every open dispute and follow up proactively.
We handle the entire dispute process on your behalf — preparing the claim, filing it through the correct channel, and following up until resolution. You simply give us access to your seller account or gateway dashboard, and we manage everything end to end.
Yes — most marketplaces allow you to download settlement reports going back 12–24 months, and we can reconcile historical data for that period. Older discrepancies may have expired dispute windows on some platforms, but we'll clearly flag what's recoverable vs. what's not before starting.
Absolutely. We sign mutual NDAs before receiving any financial data. All settlement reports, order data, and bank statements are handled with strict confidentiality protocols — stored securely and never shared with any third party under any circumstance.
Find out how much you're owed — today!
Get a free reconciliation audit and discover exactly how much you're owed across all your channels.