Daily Reconciliationfor retail payment operations.

Quantum matches your sales against payments and records from banks, acquirers and payment gateways.

Your team gets a report showing what matches, what is missing and which differences need review.

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Daily Reconciliation

Retail payment close

Sample data

98.6%

Reconciled

Exceptions

Stores

T-1

Ready to approve

Daily sources

Close overview

Cash + carrier

USD 21.1K

Cash logistics, counts and registers

POS + acquirer

USD 78.2K

Terminals, batches and acquirer

E-commerce + gateway

USD 31.6K

Gateway, marketplace and web

ERP + bank

USD 130.4K

Sales, statements and settlements

Detected differences

POS

Store 042 · Batch 8841

USD 0

Matched

E-commerce

T-1 orders

-USD 60

Partial settlement

Cash

Store 017 · Register 03

-USD 60

Shortage

Bank

Settlement MKT-551

-USD 45

Fee identified

Sales, collections and banks in one close

Differences awaiting review

Daily report with supporting files

Each team knows what to review.

The report brings together payments from your stores and online sales. Treasury, accounting and operations can review the differences assigned to them.

Treasury

Sees what money arrived, what is pending and what must be claimed.

Accounting

Receives reconciled transactions and differences to review.

Retail operations

Knows which stores require review before month-end.

Audit

Checks the files and rules used in each reconciliation.

Work with the systems you already use.

We review how to receive data from your ERP, POS, banks and payment providers: through APIs, SFTP or files, depending on the source.

CegidPOS

SAPERP

Oracle NetSuiteERP

Dynamics 365ERP

ShopifyE-commerce

RedsysAcquiring

AdyenGateway

StripeGateway

PayPalGateway

SquarePOS

SantanderBank

BBVABank

CaixaBankBank

Banco SabadellBank

ProsegurCashand 100+

Review my sources

How reconciliation works.

Quantum collects the files, applies the rules agreed with your team and delivers a report of the remaining differences.

Collect the files

Collect files for cash, sales, payments, banks and ERP records.

Cash counts by store and register

POS sales by terminal and batch

E-commerce, Adyen and marketplace

Bank statements and ERP

Prepare the data

Align dates, references and amounts so the files can be matched.

Date and time alignment

Store and reference mapping

Tax, fee and commission normalization

Batch and file validation

Match the transactions

Cross movements, group differences and classify what is ready or pending review.

Automated matching

Difference analysis and grouping

Root cause classification

Ready vs. pending review

Deliver the report

Send the report and supporting files to the team reviewing the close.

Reconciled movements

Differences by owner

Unsettled payments

Reports, files and alerts

On your schedule

The process runs at the agreed times.

Supporting files included

Check the data and rules behind each match.

Assigned for review

Alerts tell the responsible team which differences need review.

Close summary

See how much was reconciled and what is still pending.

From 6 hours to 10 minutes per reconciliation.

stores

260+

movements processed without human intervention

99.5%

work saved per month

~144 h

reconciliation duration

6 h → 10 min

Daily reconciliation flow

Process example

01 · Sources

ERP

POS

Web sales

Cash

Banks

02 · Quantum rules

Normalize store, date and amount

Match movements and tolerances

Preclassify causes and owners

03 · Report and delivery

Daily Reconciliation Report

99.5% auto3 processes10 min

Sent to treasury and operations

04 · Analytics

99.5% automatically processed10 min reconciliation

A retailer in Colombia with more than 260 stores automated three reconciliation processes with Quantum. 99.5% of movements were processed without human intervention, saving the team around 144 work hours a month. Reconciliation went from around 6 hours to 10 minutes, with exceptions detected the same day.

Review my reconciliation

What goes in and what your team receives.

A single run can combine cash and digital channels without replacing the current ERP, POS or accounting process.

Inputs

Cash counts by store and register

POS sales by terminal, batch and acquirer

E-commerce and marketplace transactions

Bank statements and settlements

ERP, OMS, orders and invoices

Reconciliation engine

NormalizeMatchClassify

Outputs

Reconciled movements

Differences by owner

Unsettled payments

Duplicates, reversals and chargebacks

Daily report and verifiable evidence

The differences your team can review.

The report groups differences by type and includes the data needed to review them.

Shortages and overages

Gaps between expected sales, cash count, settlement and bank.

Pending settlements

Approved sales that are not yet visible in bank or acquirer data.

Duplicates or reversals

Repeated movements, cancellations, refunds and adjustments.

Fees and withholdings

Differences explained by fees, taxes, tips or withholdings.

Keep a record of each close.

In the Automation Center, your team can look up each reconciliation, its files and any pending differences. The history stays in one place.

Manual reconciliation

Files scattered across email

Rules applied from memory

Differences with no clear owner

Month-end surprises

Daily Reconciliation in Quantum

History of each reconciliation

Reusable rules by channel

Exceptions with cause and owner

Report with supporting files

What a reconciliation report looks like.

This example shows matching payments and pending differences. Review the expected amount, the settled amount and the files for each transaction.

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Illustrative example

Daily Reconciliation Report

Simulated data

USD 136.3K

Processed

98.6%

Matched

To review

High risk

POS

Store 042 · Batch 8841

Matched

Expected

USD 7,105

Settled

USD 7,105

Difference

USD 0

E-commerce

T-1 orders

Partial settlement

Expected

USD 18,545

Settled

USD 18,485

Difference

-USD 60

Cash

Store 017 · Register 03

Shortage

Expected

USD 1,465

Settled

USD 1,405

Difference

-USD 60

Bank

Settlement MKT-551

Fee identified

Expected

USD 4,238

Settled

USD 4,193

Difference

-USD 45

Channel	Source	Expected	Settled	Difference	Status
POS	Store 042 · Batch 8841	USD 7,105	USD 7,105	USD 0	Matched
E-commerce	T-1 orders	USD 18,545	USD 18,485	-USD 60	Partial settlement
Cash	Store 017 · Register 03	USD 1,465	USD 1,405	-USD 60	Shortage
Bank	Settlement MKT-551	USD 4,238	USD 4,193	-USD 45	Fee identified

In your operation's report, each transaction includes its supporting files and the rules applied.

Frequently asked questions

What can be automated?+

File collection, matching and report delivery. We first review the available sources and your process rules. Transactions that do not meet those rules are marked for review.

Does it work if I have stores and e-commerce at the same time?+

Yes. Quantum reconciles cash, POS terminals, web gateways, marketplaces and bank statements within the same daily close.

Do I need to change my ERP or accounting system?+

You can keep using your current systems. Quantum uses their data to reconcile payments, generate reports and prepare files for posting or upload.

What do you need to get started?+

Sample files, the matching rules and tolerances, and the report your team needs. We also agree on the schedule and who will review any differences.

What happens to differences?+

Quantum applies the agreed rules to identify duplicates, amount differences, pending payments and other known issues. Items that need your team's decision appear in the report with supporting files.

Let's look at your payment reconciliation.

Tell us which sources you use and what your team checks today. Together we can define what to automate and which differences need review.

Talk to Quantum Calculate impact and savings