Audit Razorpay, PayU, Cashfree, and Stripe settlement files against your agreed contractual MDR rate card. Identify unauthorized UPI fee deductions, card surcharge creep, and GST variances with 100% client-side privacy.
Strict Browser-Local Compute: All payment transaction IDs, order numbers, GMV amounts, fee deductions, and settlement records are processed entirely in your local browser memory via Web Workers. Zero customer data leaves your device.
🔒 100% Client-Side Privacy
Upload Gateway Settlement Statement
Drop any CSV export from Razorpay (Settlements), PayU (Transaction Report), Cashfree, Stripe (Balance History), or your ERP settlement reconciliation feed.
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Drag & drop gateway settlement CSV here
or select a file from your computer
Run Instant Preloaded Drills:
Total Overcharge Discrepancy
₹0
0.0% of total fees overbilled
Dispute Claims Ready
0
Razorpay Format (0.0ms)
Effective Take Rate
0.00%
Contracted Benchmark: 0.00%
Total Gross Volume
₹0
0 transactions audited
Net Deposited Volume
₹0
Fee ₹0 + GST ₹0
#
Payment ID
Order ID
Instrument
Gross (₹)
Expected Fee
Billed Fee
Overcharge (₹)
Audit Evidence & Reversal Rationale
Effective Merchant Take Rate by Payment Method:
Payment Instrument
Transactions
Gross Volume (₹)
Actual Fees (₹)
Statutory GST (₹)
Expected Fees (₹)
Net Overcharge (₹)
Take Rate (%)
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No Settlement Statement Reconciled Yet
Upload your payment gateway settlement statement or click one of the preloaded test drills above to audit contractual MDR deductions and export dispute claims.
Protect Merchant Margins from Silent Gateway Surcharges
Sanocea's continuous settlement reconciler (SNC-WF-022) automatically ingests daily Razorpay, PayU, and Stripe settlement payouts, matching bank credits against contractual rate cards and generating automated dispute ledgers.