How is reconciliation done when the BNPL provider pays out?

When the BNPL provider pays out, the payment is reconciled — matching the provider's remittance to the order(s) it covers — so the books reflect funds actually received, net of the provider's fees (recorded like any gateway fee). Because BNPL settlement is deferred and batched, reconciliation against the provider's payout is how the business confirms it was paid for those orders. This…

When the BNPL provider pays out, the payment is reconciled — matching the provider's remittance to the order(s) it covers — so the books reflect funds actually received, net of the provider's fees (recorded like any gateway fee). Because BNPL settlement is deferred and batched, reconciliation against the provider's payout is how the business confirms it was paid for those orders. This mirrors the gross/fee/net discipline applied to all payments.