For platforms with embedded payments

Know where every dollar is, from payment to payout

End Close matches processor settlements, merchant payouts and platform fees to your ledger every day, so you can check payments revenue every day instead of rebuilding it at month end.

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What we reconcile for platforms like yours

Marketplaces

Buyer payments split into seller payouts, platform fees and refunds, seller by seller.

What changes forembedded payments teams

  • Payments revenue you can book with confidence

    Settlements, refunds and fees are matched to your ledger daily, so payments revenue is a reconciled number, not an estimate until month end.

  • Every merchant payout accounted for

    Each payout is broken down into the payments, fees and adjustments inside it, so your team can easily answer merchant or customer queries.

  • Chargebacks and reserves that don’t leak

    Chargebacks, refunds and processor reserves are matched to the original payment and merchant, so losses and held funds are visible, not buried in a payout.

  • Payouts your merchants can understand

    Instead of a lump-sum deposit they can’t explain, merchants can see which payments made up each payout, without your team rebuilding it by hand.

How embedded payments platforms use End Close

From the processor’s settlement file, to the merchant’s bank account, to your GL.

Run two processors side by side, or migrate between them, without losing history. Every feed is normalized, so reconciliation carries on through the switch.

Banks
  • Chase
  • Bank of America
  • Wells Fargo
Processors
  • Stripe
  • Adyen
  • PayPal
Ledgers
  • QuickBooks
  • Xero
  • SAP
9 sources synced SyncingUpdated 1s ago

One platform for every money flow

Connect the systems customer money already moves through. End Close reconciles them daily and hands finance reliable numbers it can close on.

Your systems

  • Processor/​payfac

    • Stripe
    • Adyen
    • PayPal

  • Settlement bank

    • Chase
    • Bank of America
    • Wells Fargo
    • Cross River
    • Column

  • Billing system

    • Stripe
    • Chargebee
    • Paddle

  • ERP/​GL

    • SAP
    • Oracle
    • QuickBooks
    • Campfire
    • Rillet

  • Data warehouse

    • Snowflake
    • Google BigQuery
    • Databricks
    • In-house
End Close

  1. Reconcile

    Match every source daily, at transaction level.

  2. Exceptions

    Route each break to an owner, with an audit trail.

  3. Monitoring

    Alert when money doesn’t move the way it should.

  4. Close

    Post journal entries and audit-ready recons.

Output

What finance gets

  • Reconciled ledger
  • Exported journal entries
  • Exception queue
  • Payout alerts
  • Audit-ready close
“We partnered with End Close to automate our workflows instead of building them in-house, eliminating the reconciliation burden from our finance team.”

Kaushal Kulkarni

Head of Finance, Sunbound

Of transactions matched automatically
99.999%
From kickoff to first live reconciliation
2 weeks

Commonly asked questions from embedded payments teams

Doesn’t our payments partner handle reconciliation?
Only their side of it. You still need to match their settlements and payouts to your own ledger, merchants and bank, and that gets harder once you add a second processor or bank.
Can merchants see what each payout includes?
Yes. Every payout is broken down into the payments, fees and adjustments behind it, and that detail is available by API or via exports, so you can integrate it in your own product.
Do we need a big finance team to run it?
No. Agents investigate exceptions and propose fixes, so a small team can keep up with high volume and only the judgement calls reach a person.
Will our auditors accept your records?
Matching runs on deterministic rules, so the same inputs always give the same result. Every match, adjustment and write-off is logged with its reason and approver, ready for audit.
How long does it take to go live?
Typically weeks. We manage the pipelines from your banks and processors, with engineering support for the integration, so your team isn’t building ingestion before you reconcile a single transaction.

See every payout broken down

Bring up to six months of settlement and payout data. We’ll reconcile it for free and show you what’s inside every deposit.

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