Reconciliation is the product, not the PDF at the end

A collection is not done when the customer sees success. It is done when the merchant’s ledger can explain the cash. That is harder when PIX, QRIS, and a Nigerian Bank VA all land in the same week.

We treat unique references, webhook order, and daily settlement files as part of the API, not as a back-office courtesy. If a VA is paid short, or a QR is paid twice, the dashboard has to say so in the same language as the webhook.

The merchants who scale across LATAM and Asia are usually the ones whose finance lead sat in the integration review. Build for that person. They will find the missing peso.