This reconciliation workflow with Authorize.Net is a good example of how transaction timing (submit vs. settlement date) affects ledger accuracy. For businesses handling large payment volumes, especially across multiple gateways or acquirers, automating this process can drastically reduce manual mismatches.

At Optimus Fintech, we’ve built automated payment reconciliation software that integrates with gateways like Authorize.Net, Stripe, and merchant banks to sync settlements in real time and identify discrepancies instantly. This ensures that payment batches, refunds, and chargebacks are accurately matched to ledger records without manual review.

The best part is that it supports custom reconciliation logic—so even when settlement timing or fee deductions vary, the system still provides a clean, automated match.