Business banking
Business Banking and Payment Operations: Deposits, Reconciliation, ACH, and Cash Flow
Payment operations connect merchant deposits, bank accounts, ACH transfers, reserves, chargebacks, reconciliation, and cash-flow planning.
Banking and payments workflow
Deposit matching
Connect batches, funding reports, fees, refunds, and bank deposits.
ACH activity
Review debits, credits, authorizations, returns, and settlement timing.
Reserve monitoring
Track held funds, release schedules, and processor risk communication.
Cash-flow timing
Understand how weekends, holidays, settlement windows, refunds, and disputes affect available cash.
Reconciliation checklist
| Item | What To Match |
| Daily sales | POS batch totals, gateway totals, refunds, and tips. |
| Processor funding | Deposits, fees withheld, chargebacks, reserves, and adjustments. |
| Bank activity | Deposits, ACH credits/debits, returns, and fees. |
| Accounting entries | Sales, liabilities, tips, taxes, merchant fees, and refunds. |
Frequently asked questions
Why do deposits not match sales?
Timing, fees, tips, refunds, disputes, batch cutoff, reserves, and weekends can create differences.
What is a reserve?
A processor may hold funds to manage risk, chargebacks, or unusual activity.
Why is reconciliation important?
It helps find missing deposits, fee changes, refund errors, and cash-flow issues.