SANOCEA™
INSIGHTSREQUEST A MEETING
SNC-WF-024 · Free Tier · Finance & Settlement Matching

Match Bank Deposits with Payment Gateway Payouts & Detect Fee Variances

SNC-WF-024 · Bank Deposit and Payout Settlement Matcher (Free Tier)

A free, self-hosted Python tool that reconciles bank statement credit transactions against payment gateway settlement exports (Razorpay, Cashfree, Stripe, Amazon, Shiprocket). It matches UTR references, parses bank narration strings, flags gateway MDR fee and GST discrepancies, and isolates orphan deposits and missing payouts.

PRODUCT SUMMARY AT A GLANCESNC-WF-024
Primary OutcomeMatches bank statement deposits against gateway payout files, cross-verifies UTRs, flags MDR fee variances, and isolates orphan credits.
How It RunsSelf-Hosted Python 3.8+ (Runs on your own computer or server)
Setup ExpectationsFree to self-host on your own hardware. Free workflows never run on Sanocea infrastructure. Optional assisted setup: ₹500 one-time.
Verification StatusCode & Logic Tested: Tested on clean matches, fee discrepancies, orphan bank credits, and uncredited payouts with 100% test pass rate
The 3-Step Process in Simple English
1. Input

Bank statement CSV export and payment gateway settlement report CSV.

2. Transformation

Extracts UTRs and transaction IDs across three matching tiers, checks fee deduction arithmetic, and isolates unlinked records.

3. Output

Executive matching summary and segregated CSVs for matched deposits and unresolved variances.

Free to self-host. Want Sanocea to set it up? ₹500 one-time.

Setup scope covers installation on customer-controlled infrastructure, configuration of authorised integrations, functional testing and handover.

Hosting, third-party charges and ongoing support are excluded unless separately agreed. Free workflows must never run on Sanocea-hosted infrastructure.

Direct Download or Assisted Setup: Download the free toolkit below, or contact engineering on WhatsApp for ₹500 assisted setup on your machine.
01 · The Everyday Problem

What Goes Wrong in an Ordinary Working Day

E-commerce finance heads spend days every month manually matching bank statement entries against payment gateway settlement reports, struggling with cryptic bank narrations and undiscovered payment clearing delays.

02 · Why It Matters

The Impact on Your Business & Customers

Payment processors deduct variable processing fees and taxes before crediting lump sums into your bank account. Without automated settlement matching, uncredited payouts and erroneous gateway fee deductions go unnoticed for months.

03 · The Solution

What This Tool Does & What Changes for You

Reads your bank statement CSV and gateway settlement reports, matches records across three deterministic tiers (exact UTR, narration regex, amount/date window), and produces segregated CSVs for matched deposits and unresolved variances.

What Changes in Practice:

Monthly bank reconciliation takes minutes instead of days. Unsettled gateway payouts and unexplained bank deposits are surfaced immediately.

Real-World Transformation

Concrete Before & After Example (Actual Code Output)

Demonstrates how cryptic bank statement lines are matched to gateway settlement reports.

INPUT: Bank Narration & Gateway Settlement RecordInput File
Bank: "CMS/RAZORPAY/SETTL_8001/N2384" | Credit: ₹48,250.00\nGateway: Payout SETTL_8001 | Net: ₹48,250.00 | UTR: CMS8001N2384
OUTPUT: Reconciled Pair & Audit Statusnormalized_inventory.csv
Status: MATCHED_CLEAN\nMatch Tier: EXACT_UTR\nReconciled Amount: ₹48,250.00\nVariance: ₹0.00\nNote: Matched via exact UTR / Reference cross-check

Deposit confirmed and cleared for accounting ledger entry without manual inspection.

What Changed vs. What Remained Unchanged

✓ What Changed (Normalized):
  • Cross-referenced cryptic bank statement lines to gateway payout IDs
  • Identified orphan bank credits and uncredited gateway settlements
  • Calculated exact net variances to uncover hidden processing fee deductions
ℹ What Remained Unchanged:
  • Original bank and gateway CSV files remain untouched on disk
  • Zero financial accounts or external ledgers altered
04 · Prerequisites

What You Need Before Getting Started

  • Bank account statement CSV export (HDFC, ICICI, SBI, Axis, etc.).
  • Gateway settlement report CSV (Razorpay, Cashfree, Stripe, etc.).
  • Python 3.8+ on any computer or server.

Technical Setup Guidance:

05 · Setup Effort

Setup Difficulty & Expected Time

Step-by-Step Run Instructions (Zero-Code Terminal Run)

  1. Download and extract snc-wf-024-bank-deposit-matcher.zip.
  2. Place bank statement in bank.csv and gateway settlement report in gateway.csv.
  3. Run: python3 deposit_matcher.py match --bank bank.csv --gateway gateway.csv --matched-out matched.csv --unmatched-out unmatched.csv.
  4. Review unmatched.csv to investigate orphan bank credits or uncredited payouts.
06 · Package Contents

What You Receive in the Download Archive

Every deliverable is clean, self-contained, and ready for immediate deployment. You receive the complete files, configuration templates, setup guides, and automated tests.

File NameDeliverable Description
deposit_matcher.pyStandalone Python 3.8+ bank deposit and settlement reconciliation engine
README.mdSetup guide, matching rules, and operational boundaries
SETUP.mdQuickstart execution and daily finance cron guide
COSTS.mdZero-cost operating disclosure
LICENSING.mdSanocea Open Workflow License (MIT Compatible)
fixtures/bank_statement_sample.csvBenchmark bank statement credit records
fixtures/gateway_payouts_sample.csvBenchmark gateway settlement payout records
fixtures/bank_statement_with_variances.csvBenchmark bank statement with orphan deposits and variances
fixtures/gateway_payouts_with_variances.csvBenchmark gateway payouts with missing and disputed settlements
tests/test_deposit_matcher.pyAutomated test suite verifying matching tiers and variance calculations
07 · Technical Details & Verification

Architecture Diagram & Tested Capabilities

For technical teams or developers assisting your business, below is the visual execution architecture and automated verification breakdown:

Match Bank Deposits with Payment Gateway Payouts & Detect Fee Variances Architecture Pipeline Diagram
⚡Deterministic execution flow: runs on your own compute without telemetry tracking.

Verification Disclosure

Pure Python 3.8+ standard library script. Exact UTR matching, narration regex extraction, amount/date window fallback, and fee variance auditing. 6/6 tests passing.

Exact UTR & Reference Cross-Matching

Cross-verifies Unique Transaction References across bank and gateway files.

Fully Tested

Narration Substring & Regex Extraction

Extracts payout batch identifiers and UTRs from messy bank narration text.

Fully Tested

Amount & Date Window Fallback

Matches net deposit amounts within a configurable clearance window (+/- 3 days).

Fully Tested

Gateway MDR & Tax Variance Auditing

Flags discrepancies between expected net settlement and actual credited amount.

Fully Tested

Orphan Deposit & Missing Payout Segregation

Generates clean audit files for unlinked bank credits and uncredited gateway payouts.

Fully Tested
08 · Operational Disclosures

Documented Limitations & Third-Party Costs

We believe in complete transparency. Review the documented technical boundaries and external service fee breakdown below prior to obtaining the package:

⚠️Documented Boundaries & Considerations

  • Read-Only Data Reconciliation: Operates strictly on local statement files; does not connect to live banking APIs or initiate fund transfers.
  • Customer-Controlled Infrastructure: Runs locally on your machine or server; does not transmit order data to Sanocea.
  • Offline Matching Engine: Operates offline without querying paid third-party banking APIs.
ComponentEstimated CostDetails & Free Tier Allowances
Bank Deposit Settlement Matcher Toolkit₹0 (Free to self-host)Download full source code and self-host
Optional Assisted Setup₹500 one-timeAssisted installation, environment setup, and handover
Third-Party Services₹0 additionalRuns offline with zero external API fees
System Compatibility

Platform Compatibility & Technical Specifications

Operating System
Linux, macOS, Windows
Runtime / Python
Python 3.8+
Supported Platforms
HDFC Bank, ICICI Bank, SBI, Axis Bank, Razorpay, Cashfree, Stripe
Required Inputs
  • Bank statement CSV (date, narration, reference, credit) and Gateway settlement CSV (date, UTR, gross, fees, net)
Generated Outputs
  • matched_deposits.csv containing verified matches with reference IDs, clearance dates, and variances
  • unmatched_variances.csv containing orphan bank credits and uncredited gateway payouts
Free Self-Hosted SoftwareInstant Download · Optional ₹500 Setup

Download or Set Up SNC-WF-024

Receive the complete distributable archive containing deposit_matcher.py, step-by-step setup guides, mock fixtures, and automated test suites.

Free to self-host. Want Sanocea to set it up? ₹500 one-time.

Setup scope covers installation on customer-controlled infrastructure, configuration of authorised integrations, functional testing and handover.

Hosting, third-party charges and ongoing support are excluded unless separately agreed. Free workflows must never run on Sanocea-hosted infrastructure.

Download Free Package (.zip)Chat on WhatsAppWe reply within 2 business days (Monday to Saturday, 9:00 AM to 9:00 PM IST)
Questions & Answers

Frequently Asked Questions

Does this tool connect directly to our bank account or require bank API credentials?

No. This utility operates 100% locally and strictly read-only on your downloaded bank statement CSV and gateway settlement files. It requires no bank logins, netbanking credentials, or API tokens.

How does it handle differences between settlement date and actual bank credit date?

The matcher features a configurable banking clearance window (default +/- 3 days). If exact UTR matching is not available, it matches the net settlement amount within this date window.

Can it detect unexplained payment gateway fee increases?

Yes. It calculates the expected net payout (Gross - Fees - Taxes) and compares it directly against the actual credited bank deposit, flagging any variance greater than ₹0.50.

Operational Field Guide & Research

Bank Deposit Matching: Reconciling Payment Gateway Payouts and Eliminating Orphan Credits

How e-commerce finance teams match lump-sum bank statement credits with payment gateway settlements, identify MDR fee variances, and track uncredited payouts.

Read Field Guide on Sanocea Insights →
Related Automations

Explore Related Self-Hosted Tools

C02Managed Service

See Where Every Order's Money Went & Recover Lost Marketplace Revenue

E-Commerce Settlement & Fee Matcher

An enterprise marketplace reconciliation engine that automatically audits bank payout sheets from Amazon, Flipkart, and Myntra against your original order records. It isolates commission overcharges, unexpected weight penalties, uncredited customer returns, and missing remittances—generating ready-to-file dispute spreadsheets that recover thousands of rupees in lost margin every month.

See Details →
SNC-WF-100Self-Hosted Python 3.8+

Reconcile Cash on Delivery (COD) Courier Remittances and Hidden Fee Deductions

Courier COD Remittance & Fee Deduction Reconciler (Free Tier)

A free, local Python reconciliation tool that stops courier revenue leaks on Cash on Delivery orders. It compares your courier remittance payout files against delivered store orders, identifying unpaid orders, volumetric weight disputes, and unauthorized return fees so you can claim missing cash from shipping partners.

See Details →
SNC-WF-004Self-Hosted Python 3.8+

Prioritize and Triage Cash-on-Delivery Orders Before Dispatch

COD Confirmation Work Queue & Risk Filter (Free Tier)

A free, self-hosted Python tool that ingests Cash-on-Delivery (COD) order CSV exports, validates essential logistics fields (10-digit phone, 6-digit PIN, valid address), and scores orders across multi-factor refusal risk heuristics (high basket value, duplicate phone bursts, sequential digits, vague addresses). It outputs a prioritized work queue categorizing orders into Auto-Approve, Manual Confirmation, High-Risk Hold, and Data Correction Required.

See Details →