Find the payments that never reached your bank.
Orcherec matches your orders, gateway settlement reports and bank statements, then shows you exactly what is missing, short-paid or charged twice. For merchants in India, the UK and Europe.
Send one month of data. Get a break report back, free.
| Order | Gateway settled | Bank received | Result |
|---|---|---|---|
| ORD-10421 | ₹2,499.00 | ₹2,499.00 | Matched |
| ORD-10422 | ₹1,250.00 | ₹1,220.50 | Fee over rate |
| ORD-10423 | ₹3,100.00 | ₹3,100.00 | Matched |
| ORD-10424 | ₹899.00 | – | Not settled |
| ORD-10425 | ₹640.00 | ₹1,280.00 | Captured twice |
Where money quietly goes missing
Gateways, banks and your store each keep their own record. When they disagree, nobody tells you. These are the gaps we look for.
- Settlements that never arrive
- A payment shows as successful at checkout, but the money never lands in your account.
- Fees above your agreed rate
- Small overcharges on MDR or processing fees that add up across thousands of orders.
- Refunds and chargebacks without a trail
- Deductions taken from a settlement that you can’t tie back to an order.
- Duplicate captures
- A customer charged twice for one order, which turns into a complaint or a chargeback later.
- Currency and FX differences
- Cross-border payments that settle for less than expected after conversion.
- Split and partial settlements
- One order paid out across several batches, so it never lines up on a single date.
How it works
No integration needed to start. You send the exports you already have, and we do the matching.
Send your exports
Orders from your store or ERP, settlement reports from your gateways, and your bank statement.
We match every line
Each order is checked against what the gateway reported and what the bank received.
You get a break report
Every mismatch with its reason, its amount, and what to raise with your provider.
Keep it running
Weekly or monthly checks, so issues are caught before your month-end close.
Built for how you get paid
If your provider gives you a settlement file, we can work with it.
India
For D2C brands, marketplaces and subscription businesses.
- Razorpay, PayU, Cashfree and other gateway settlements
- UPI, cards, net banking and wallet payouts
- COD and prepaid orders in the same view
UK and Europe
For e-commerce and online services selling across borders.
- Stripe, Adyen, Checkout.com, Worldpay and similar payouts
- Multi-currency settlements in GBP, EUR and more
- Card scheme fees and chargeback deductions
Payment orchestration consulting
Running more than one payment provider? We help you plan routing, failover and monitoring across gateways, so fewer payments fail and you can see where they do.
If this is on your roadmap, mention it when you get in touch.
Run by a payments test engineer
Orcherec comes from years of testing payment systems, including EMV certification and payment test tooling. That work is about one thing: proving that every transaction does exactly what it should. Reconciliation applies the same discipline to your money.
See what last month is hiding
Send one month of orders, settlements and bank statements. We’ll send back a break report with every mismatch, free. Your data is used only for your review and deleted afterwards.