Every Processor Settlement Tied to the Deposit That Hit Your Bank
Agents pull the settlement report from Stripe, PayPal, Amazon, or Shopify, match every charge, fee, and refund inside it, and tie the net deposit to the bank and the ledger before your reviewer opens the file.
How payment processor reconciliation runs today.
A single Stripe payout nets forty orders, a dozen refunds, and a month of fees into one bank line. The deposit on the bank statement never matches anything on its own.
Stripe, PayPal, Amazon, and Shopify each publish their own settlement report, in their own layout. Someone rebuilds the same tie-out by hand for each one, every period.
Processing fees get netted straight out of the deposit instead of booked as an expense. Margin looks better than it is until someone finally digs into the settlement detail.
A spreadsheet maps processor codes to GL accounts, built by someone who left the company two years ago. Nobody fully trusts it, and nobody has time to rebuild it.
The deposit on the bank statement is the easy part. The settlement behind it is where the time goes.
From Settlement to Certification
Reconcile Every Processor Without Another Hiring Cycle
See Your Real Margin
Fees post as an expense instead of disappearing into the net deposit, so the margin on each channel reflects what the processor actually charged.
Improve Accuracy
Every payout ties from gross to net, and a checker agent audits the reconciliation before a reviewer opens it, so senior time goes to judgment instead of arithmetic.
Standardize Method
The same tie-out method applies to every processor and every channel, whoever prepares the file, which takes the method out of one spreadsheet and puts it in the system.
Settlement Data That Never Leaves Your Environment
Your financial data does not leave your environment.
Run Adopt in our cloud on an isolated tenant, inside your own VPC, or fully on-prem, so the first question your security team asks has a one-word answer. Agents inherit the permissions of the systems they work in through least-privilege service accounts: they see what your team can see and nothing more.
Certified, and still yours.
SOC 2 Type 2, ISO 27001, GDPR, and HIPAA. Zero-data-retention agreements with the model providers, no training on your data, and your choice of model, including your own keys. Every run is logged step by step, so your auditors can read what the agent did and not just what it produced. All agents, skills, and decision logic are your intellectual property.
- SOC 2 Type 2
- ISO 27001
- GDPR
- HIPAA
SOC 2 Type 2 · ISO 27001 · GDPR · HIPAA
See our security practicesWe Build It With Your Team, Not For Them
Your controllers define what done looks like, your finance systems or IT lead owns the connections, and a forward-deployed engineer from Adopt builds alongside them, starting from your process docs or a screen recording of how the work is done today. Skills are written in the same open format as Claude skills and move in and out of Adopt freely. The agents are your IP when the engagement ends. If you are already building on Copilot, Power Automate, or a Claude key, that is a reason to talk rather than a reason to decline. What you have built comes with you. What we add is the finance-specific skills, the connectors to systems without APIs, and the checker layer you would otherwise write and maintain yourselves. A prior RPA vendor sold you automation the vendor owned. We build capability you own, in open standards, so you are never one acquisition away from starting over.
See how co-build worksPayment Reconciliation Touches Every Processor and Channel You Sell Through
Agents work against systems with no API by operating the interface the way a person does, so processor portals and legacy software are in scope.
QuickBooks
QuickBooks is a cloud-based accounting platform that enables businesses to manage finances, track income and expenses, and gain real-time insights into their financial performance.
Sage Intacct
A cloud-based accounting and financial management solution by Sage Group that helps businesses automate finances, reporting, and compliance.
NetSuite
NetSuite — A cloud-based ERP platform by Oracle that helps businesses manage finance, operations, CRM, and e-commerce in a unified system.
Stripe
A payment infrastructure platform for processing online payments and financial operations.
Square
POS system for payments, inventory, and business operations.- See all integrations
FAQs
Whatever you already run. Agents read and write NetSuite, QuickBooks, Sage Intacct, and Dynamics 365 directly, connect to the banks and cards an aggregator covers, and where a system has no API, including many bank, vendor, and payroll portals, they operate the interface the way a person does. There is no data warehouse to build first and no new system of record.
Where you decide. Run Adopt in our cloud on an isolated tenant, in your own VPC, or fully on-prem, so nothing has to leave your environment. SOC 2 Type 2, ISO 27001, GDPR, and HIPAA, with zero-data-retention agreements with the model providers, no training on your data, and your choice of model. Agents inherit the permissions of the systems they work in, so they see what your team can see.
Wherever a processor publishes a settlement report, agents can pull it and reconcile it, Stripe, PayPal, Amazon, and Shopify included. Coverage depends on what your business actually runs, so the honest answer on a specific processor is a short conversation rather than a blanket yes.
Yes. Every payout is rebuilt from the gross charge down to the net deposit, and the fee is posted to its own expense account instead of disappearing into the net. Your margin reflects what the processor actually charged, not a number netted down before anyone saw it.
Agents match it to the original transaction and the reserve it was held against, and write down the reasoning for your reviewer. What cannot be explained becomes an exception, not a number quietly absorbed into the next deposit.
One method, applied to each processor you run. Every channel ties out the same way, with the same tolerance rules and the same documentation, so the reconciliation does not depend on which processor happens to be in front of whoever is doing it.
The honest test is a back-test. Run the month you just reconciled through the agents, in your environment, and compare line by line. Where it is weakest: a payout with no settlement detail published, a reserve held with no release date, and a processor new enough that there is no history yet. Those arrive as exceptions rather than matches.
You could, and the easy half probably already is. What you would be writing and maintaining yourselves is the finance-specific skills, the connectors to systems without APIs, the checker layer, and a review workflow that more than one person can work in, then rebuilding them each time an interface changes. If you leave, you already own it: all agents, skills, and decision logic are your IP, in the same open format as Claude skills, on any model and any infrastructure. If you have an internal effort underway, we co-build with your team.
Your Team Reviews the Settlement.
They Stop Rebuilding It.
Start on the month you just closed, in your own environment, with success criteria agreed up front. The first month is on us, and terms get reassessed against measured results before anything scales.