Transaction-Level Reconciliation

Transaction-level reconciliation compares NACH/payment file records against webhook payment data to identify payments that need to be posted to Fineract.

How It Works

For lenders that have both NACH files (uploaded via S3) and webhook payments (Razorpay/Cashfree), the system reconciles both sources:

Reconciliation Sources

Recon Source	Lender	NACH File	Webhook
gb_nach	GB	Cashfree NACH	Cashfree webhook
ugro_nach	UGRO	Cashfree NACH	Cashfree webhook
ugro_razorpay_nach	UGRO	Razorpay settlement	Razorpay webhook
vivriti_nach	Vivriti	Razorpay settlement	Razorpay webhook

Match Key

Records are matched using md5(loan_external_id + date + amount). If a NACH record has the same loan, date, and amount as a webhook record (or a previously processed record), it's marked as matched.

Status Values

• Matched - NACH record has a corresponding webhook payment or was already posted to Fineract
• New - NACH record has no matching webhook - needs to be posted to Fineract manually

Using the Recon Tab

1. Select Filters

• NACH File - choose a lender (GB, UGRO, Vivriti) or "All"
• Date Range - Last Day, Last Week, or Custom range

2. Review Records

The table shows all recon records with:

• Loan ID - Fineract external loan ID
• Amount - transaction amount
• Txn Date - transaction date
• UTR - payment reference (if available)
• Status - Matched or New

3. Search

Use the search box to find specific loans by ID.

4. Select Records

• Checkboxes on each "New" row for individual selection
• Select All checkbox in the header for current page
• Select All N New button to select all new records across all pages

5. Reconcile

Click Reconcile N Selected to post the selected records to Fineract as repayments. A confirmation dialog shows the records that will be posted.

The reconciliation pipeline:

1. Fetches the selected records from CORE_TRANSACTION_DATA
2. Posts each as a repayment to Fineract
3. Records results in CORE_TRANSACTION_DATA_PROCESSED
4. Matched records won't appear as "New" on the next refresh

6. Refresh & Export

• Refresh - re-runs dbt to update the recon data
• Export - downloads the current recon results as CSV

Data Flow

Automated vs Manual

Path	Triggered By	Lenders	Description
30-min scheduled job	Prefect cron	Arthmate, DMI, IKF, Shivalik	Auto-posts all unprocessed records (recon_source IS NULL)
Recon UI (manual)	Operator	GB, UGRO, Vivriti	Operator selects and posts specific records (recon_source IS NOT NULL)

The 30-minute job explicitly excludes recon-enabled lenders (GB, UGRO, Vivriti) so they don't get double-posted.

API Endpoints

Method	Path	Description
GET	/api/reconciliation/summary	Fetch recon summary + records
POST	/api/reconciliation/post-to-fineract	Post selected records to Fineract
POST	/api/reconciliation/refresh	Trigger dbt refresh
GET	/api/reconciliation/{id}/export	Download recon report as CSV