Reconciling Card Funding Settlements and Fees
Last updated: November 9, 2026
Use this guide to match card funding activity to Finix settlements, bank deposits and the member funding recorded in Glide and your core. Your accounting team completes the reconciliation using the card processing dashboard, bank statement and core records.
Understand the three separate steps
Card payment: Finix processes the payment from the account holder’s card.
Core posting: Glide posts funding through your configured core integration and Card Funding GL. Verify the credit in the member’s share and the corresponding core transaction.
Settlement: Finix groups payment activity, refunds, disputes, adjustments and fees, then sends the resulting payout to your configured settlement destination.
A successful card payment or bank settlement does not, by itself, prove that the member’s share was credited. Check the core posting separately. Your institution handles the accounting entries needed to reconcile its settlement account, Card Funding GL and fee expense.
Before you start
Sign in to the Glide Card Processing Dashboard and confirm you are viewing your institution’s live activity. Have your bank statement and Glide/core funding records available.
Check the payout profile shown on the settlement:
Net: Processing fees are deducted from the payout.
Gross: Funds and fees move in separate transfers. Reconcile both the funding credit and fee debit, including their destination accounts.
Finix supports both payout types. Ask Glide to confirm your institution’s setup before requesting a change. Do not assume another institution has the same payout profile, fee schedule or funding timing.
The settlement destination is configured separately from your Card Funding GL. An internal GL code alone is not a settlement account number. Special destinations, including Federal Reserve master accounts, require coordination and approval through Finix; contact Glide for setup instructions.
1. Find the settlement
Open Settlements and Deposits → Settlements. Filter to the period you are reconciling. Review the settlement ID, state, transaction amount, fees amount and net amount.
Open the settlement row. If a side panel appears, select View All Details. Check the Settlement Accrual Window and payout profile. Use the displayed window and applicable timezone to determine which activity belongs in the batch; do not assume a universal 9 PM cutoff.
An accruing settlement or one awaiting approval has not completed the payout process. For next-day ACH payouts, funds are normally available the business day after settlement approval. Weekends and federal holidays affect timing. Use the actual deposit record to confirm what was sent and when.
2. Reconcile activity and fees
On the Overview tab, review the settlement breakdown, including payment activity, refunds, disputes and adjustments. Review the fees and resulting net amount.
Use Settlement Entries for the itemized transactions and fees. Filter by entry type to inspect transactions or fees separately, and export the entries for your reconciliation evidence.
Card Basis Points is a percentage-based fee.
Card Fixed is a flat fee.
A payment can have separate percentage and flat fee entries. A fee count higher than the payment count does not by itself mean duplicate charging.
Use the actual fee types and amounts in the batch and your institution’s agreement. Other fee types can apply; the count is not always exactly two fees per transaction.
For a net payout, reconcile payment activity after refunds, disputes and adjustments, less fees, to the net payout. Do not compare only the original payments if the settlement includes other activity. If displayed totals differ by a cent, inspect the exported precision and rounding before treating the difference as an unexplained fee.
Example: net versus gross
This illustrative batch contains $100.00 in payments, $3.00 in fees, and no refunds, disputes or adjustments.
Net payout: $100.00 − $3.00 = $97.00 deposited.
Gross payout: $100.00 funding credit and a separate $3.00 fee debit.
The example fee is illustrative, not a quoted processing rate.
3. Match the payout to your bank statement
On the settlement’s Overview tab, find Merchant Deposits. Check the amount, state, date, payment instrument or destination account, funding speed and deposit type.
Match the completed deposit to your bank statement. You can also start from Settlements and Deposits → Deposits and trace a bank deposit back to its settlement. For gross payouts, match the associated fee debit as well.
Keep the settlement ID and deposit reference with your reconciliation. Settlement approval and successful bank delivery are separate checks.
4. Match transactions to Glide and the core
In Glide, open Analytics → Create Reports and use your available Transactions or Card Transactions report for the relevant period. Compare the funding records with the settlement entries and core postings.
Use a shared transaction or transfer identifier where your reports or core comments provide one. Otherwise compare amount, date/time and the available member or card details together. Amount and timestamp alone may not uniquely identify a funding, especially when several members fund the same amount.
Confirm each expected funding reached the correct share. If Finix shows a successful payment but the core credit is missing, contact Glide Support with the transaction reference. Do not assume it is only a settlement timing difference.
Glide’s standard card reporting does not provide a consolidated settlement-level view of Finix fees, disputes, bank returns and payouts. Work from the settlement’s entries when you need to identify the transactions in a particular batch. Scheduled delivery of a Glide report does not add those Finix settlement details.
5. Export and complete your close
Filter the settlement, deposit, transaction or settlement-entry list to the required period.
Select Export.
Open User Exports to check the export state and download the file when ready.
Retain settlement entries, fee detail and deposit references with your bank and core reconciliation.
Have your accounting team post the entries required by your institution’s GL structure, recognizing processing fees separately from member funding. Avoid recording the same bank deposit twice.
Carry forward and investigate any unmatched payments, deposits, fees or core postings.
Refunds, disputes and other differences
Refunds and disputes: These can reduce settlement activity. If settlement funds are insufficient, Finix may debit the institution’s bank account. Refund timing depends on the configured pending-refund strategy.
Same-day refunds: A payment and its refund may appear in the same settlement. Inspect the entries rather than looking only at the net amount.
Dispute fees: Use your applicable fee schedule and the actual fee entries. See Handling Card Disputes before taking action. Do not issue a separate refund for a payment already in dispute.
Different dates: Payment creation, settlement eligibility, approval and bank delivery can fall on different days. Check the accrual window and deposit record.
Multiple payments: Funding multiple shares can create separate transactions. Check the destination shares before treating similar amounts as duplicates.
When you need help
Open a Glide Support ticket with the settlement ID, date range, expected and actual amounts, related transaction or transfer IDs, and which step does not match: card payment, core posting or bank payout. Include the relevant export or statement excerpt through your institution’s approved support process.