What is payment reconciliation?

Reconciliation is the process of confirming that what your records say happened matches what actually happened at the bank — that every payout, return and fee is accounted for, to the cent.

Why it's hard

Money moves asynchronously. A payment is created, held, submitted, and settles or returns days later. Fees appear. Timing differs between your system and the bank's. Reconciliation is the ongoing work of keeping those two views in agreement.

Reconciliation as an invariant

The best reconciliation is the kind you rarely have to run, because the ledger is designed so the numbers can't drift: a hold posts at creation, settlement posts at completion, and a return reverses the hold. Pending, posted and available always tie out.

On DigitalTreasury

Because every rail posts to one double-entry ledger with holds and settlements modeled explicitly, reconciliation is an invariant the platform maintains — not a nightly batch job that might disagree.