Processor Gross-to-Net Settlement

Reconcile processor sales, refunds and fees to bank settlement without calling the net deposit revenue. The download provides a specific review process. It does not make decisions or act in an account.

What to provide

Approved settlement IDs, gross sales, refunds, fee statements, reserve changes and bank deposits.

How it works

1. Match settlement and bank identifiers; preserve processor and bank dates separately.
2. Bridge gross less explicit refunds and fees plus or minus documented reserve movements.
3. Separate known timing from unexplained difference. A net deposit is not a revenue definition.
4. Return a settlement bridge for review. Do not post journals, release reserves or refund customers.

The output

settlement ID | gross | refunds | fees | reserve movement | expected net | bank net | residual

Worked fictional example

Fictional gross200-refunds30-fees5-reserve hold10 gives expected155. Bank155 ties; revenue is not automatically155. Missing reserve release evidence remains unresolved.

Checks and limits

Preserve source versions and original values. Unknowns stay unknown. Use a qualified reviewer for regulated, legal or hiring decisions. No send, share, account change, schedule, ledger update or payment is authorized. No live account test is claimed.

More bookkeepers workflows · How-to guides

Method: reviewed source. Demand lead: GSC bank/invoice cluster; QuickBooks settlement method lead. These are site-query cluster impressions and method evidence, not exact new-topic monthly search volume or a traffic promise. Checked October 4, 2026.