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Reconciliation Pattern

Cash to Bank

Match POS, UPI, and cash collections against bank deposits

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What this pattern solves

Businesses with physical collections — retail stores, restaurants, petrol stations, hotels, hospitals — receive payments through POS terminals, UPI QR codes, and cash. Each collection method settles to the bank on a different cycle: POS settlements from payment processors (Pine Labs, Razorpay, Paytm) typically arrive the next business day; UPI credits clear in real time; cash deposits take 1–2 days. The Cash to Bank pattern reconciles collection records (POS reports, UPI statements, cash register logs) against bank account credits, identifying shortfalls, processing delays, and unauthorized deductions.

Use this pattern when:

  • You operate retail, restaurant, or hospitality locations with physical collections
  • You have POS terminals (Pine Labs, Ingenico, Paytm) at multiple outlets
  • You collect via UPI QR codes and need to reconcile UPI credits
  • Cash collections are deposited daily or weekly and must be matched against register records
  • You need to identify cashier shortfalls or POS processor deductions

How it works in TransactIG

01

Ingest POS and UPI reports

TransactIG ingests daily POS settlement reports (from Pine Labs, Razorpay, Paytm, or bank-provided terminals) and UPI transaction logs. Cash collection records are uploaded from daily cash reports.

02

Match to bank credits

POS settlements, UPI credits, and cash deposits are matched against bank account credits on the expected settlement date, accounting for processor settlement cycles.

03

Classify exceptions

Unmatched items are classified: processor delay (credit expected tomorrow), shortfall (bank received less than terminal processed), chargeback, or unidentified.

Matching rules

POS settlement match
POS terminal batch total = bank credit on T+1 settlement date.
UPI real-time match
UPI credit on bank = UPI transaction log entry (same day).
Cash deposit match
Cash deposit slip amount = bank credit on deposit date.

Variance taxonomy

V
Matched
Collection record matches bank credit.
V
Processor delay
Credit expected but not yet received — within SLA.
V
MDR deduction
Merchant discount rate deducted by processor.
V
Chargeback
Customer disputed transaction; processor reversed credit.
V
Cashier shortfall
Cash collection record exceeds bank deposit amount.

Frequently asked questions

Does TransactIG support multi-outlet cash reconciliation?

Yes. Cash and POS reconciliation can be run per outlet with consolidated reporting across all locations.

Which POS processors does TransactIG support?

TransactIG has ingestion templates for Pine Labs, Razorpay, Paytm for Business, Mswipe, and bank-issued POS terminals. New processors can be added with a field mapping configuration.

See the Cash to Bank pattern in action

Terra Insight will run a live TransactIG demo using this matching pattern on data from your industry vertical.

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