Реконсиляция: сверка транзакций

Реконсиляция — процесс сверки данных из разных систем: internal ledger vs bank statements vs PSP reports.

Уровни

PSP reconciliation: сверка ежедневного report от gateway с internal txns. Bank reconciliation: settlement report vs actual bank deposit. Ledger reconciliation: player balance vs sum of all transactions. Player-level: individual account balance integrity.

Automation

Automated matching по transaction ID, amount, timestamp. Fuzzy matching для несовпадений (rounding, fees). Exception queue для manual investigation. Rules engine для recurring разногласий. Real-time monitoring в SIEM с alerts.

Common issues

FX conversions: разные rates между systems. Fee calculation errors. Delayed settlements: partial matches до полного settlement. Refund/chargeback timing mismatches. Duplicate transactions. Missed webhooks: async status updates.

Compliance

Обязательный процесс для лицензированных операторов. Daily/weekly cadence. Sign-off от finance leadership. Reporting регулятору при significant discrepancies. Retention 5–10 лет. Audit trails для каждого reconciliation cycle.