Platform / Intelligence & Payment Optimization /

Reporting & Reconciliation

Q: What is payment reconciliation?

Reconciliation checks that every transaction matches what your providers actually paid out. With several PSPs, each with its own report format, doing it by hand is slow and error-prone. IXOPAY matches events to payouts with rules you define, and reports every mismatch.

Q: Which data sources can I connect?

Transaction and settlement data from your PSPs, acquirers and gateways. IXOPAY also monitors each feed, and flags missing or delayed PSP files before they leave gaps in your reports.

Q: How long does it take to add a new integration?

If your provider isn't one of our built-in integrations, adding it usually takes 5 to 7 business days.

Q: How do you handle different provider formats?

Every PSP names statuses, decline codes, fees and settlement data differently. IXOPAY standardizes it all into one structure, and adds BIN data such as card type, issuer country and scheme. That way you compare like with like.

Q: Do I need IXOPAY orchestration to use it?

No. Reporting & Reconciliation is part of IXOPAY Payments Intelligence, which works as a standalone product. Add orchestration or tokenization later, if and when you want to.

Q: Can I get the data into my own warehouse?

Yes. Share normalized, enriched payment data with cloud data warehouses such as Snowflake. Use it in your own BI, reporting and reconciliation workflows.

Q: How does it work with IXO AI?

Ask a question about any chart or table you're looking at, in plain language. IXO AI answers from the same normalized data, and can run recurring reports for you on a schedule.

<Every PSP reports differently. Your numbers don't have to.>

Reporting & Reconciliation brings data from every payment service provider, acquirer and gateway into one place. Track performance, investigate issues and match transactions to payouts. See exactly what you pay and which fees you can optimize.

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Already connected to the providers you use

Connect your PSPs, acquirers and gateways through ready-made integrations, with no code. Not on the list yet? A new integration usually takes 5 to 7 business days.

Use configurable dashboards, granular filters, and reporting views to analyze performance by provider, geography, issuer, BIN, payment method, currency, customer, MID, and more.

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IXOPAY Payments Intelligence dashboard with authorization rate, sales, refunds and chargebacks

How IXOPAY helps

Improve approvals

Spot failed payments, issuer declines, gateway issues and retry opportunities. Recover the revenue you're losing at checkout.

Protect net revenue

Track sales, refunds, fees, disputes and chargebacks in one place. See the real economics behind every transaction.

Control costs

Break down every fee, from interchange and scheme to acquirer and gateway. Find the margin that's leaking out.

Reconcile with confidence

Match transactions to payouts across every provider, with rules you define. See what's matched and what isn't, in one report.

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Explore Reporting & Reconciliation

[Authorization & decline analysis]

See why transactions fail, and where approvals can improve.

Separate issuer declines from gateway or technical failures, by issuer, gateway, market and payment method.

IXOPAY Payments Intelligence authorization analysis with approval rate and decline breakdown

[Sales & refunds]

Compare gross and net sales, transaction counts and average order value.

Track refund volume, rate and value by country, BIN, method, currency, issuer or gateway.

IXOPAY Payments Intelligence sales and refunds analytics

[Fee analysis]

Break down interchange, scheme, acquirer, gateway, conversion and chargeback fees.

Track total fees as a share of gross and net sales. Spot cost spikes by settlement currency, MID, BIN type, qualification code or Durbin status.

IXOPAY Payments Intelligence fees view showing total, acquirer, scheme and interchange fees

[Chargebacks, risk, VAMP & 3DS]

Track first and second chargebacks, win rates, fraud rate and VAMP ratio in one place.

See how 3DS challenges and exemptions affect authentication success.

IXOPAY Payments Intelligence chargebacks and risk analytics

[Retries & customer-level KPIs]

Follow every retry chain from first failure to recovery or abandonment.

Measure time to recovery, and see which retries actually win back revenue.

IXOPAY Payments Intelligence decline retry analysis

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[FAQ]

Common questions

Still have questions?

Our payments specialists can review your current reporting setup and show where IXOPAY fits.

Talk With Our Experts

What is payment reconciliation?

Basics

Which data sources can I connect?

Basics

How long does it take to add a new integration?

Basics

How do you handle different provider formats?

Basics

Do I need IXOPAY orchestration to use it?

Basics

Can I get the data into my own warehouse?

Basics

How does it work with IXO AI?

Basics

[The Future is Agentic]

Let's connect

Ready to see every provider's numbers in one place? Talk to us about your reporting and reconciliation setup.

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