T+1 cash-collection reconciliation across QR, bank ledger, and merchant aggregations.
QR-code-based cash collection reconciliation against bank ledger for an NBFC field-ops team, handling batched settlements, T+1 posting, multi-merchant aggregation, and dispute flagging with full audit trail.
The starting state.
How we engineered it.
Multi-merchant ingestion
Aggregator settlement files normalized into a common schema, with merchant attribution preserved per transaction.
T+1 batch handling
Date and batch-window-aware matching engine, bank posting on day T+1 reconciled against merchant settlement on day T.
Dispute workflow
Field-agent dispute creation routes to the reconciliation engine with audit trail and resolution log.
Architecture and the systems it talks to.
Quantified impact.
Daily, end-of-day, with exceptions queued for next morning.
Across QR aggregator partners with merchant attribution preserved.
Anti-dedup ensures the same UTR isn't counted across two merchant settlements.
Every dispute logged with resolution, replayable for inspection.
Solutions and case studies you should read next.
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