The short answer
A good integration posts each deposit against the correct invoices, records processing fees to a dedicated expense account, handles refunds and chargebacks as their own transactions, and reconciles against the bank feed without manual matching.
Common misconfigurations
Fees booked to a generic bank charges account, refunds recorded as negative sales, and chargebacks left unrecorded until the accountant finds them. Each one distorts your margin reporting.
Multi-location and multi-entity
Map each merchant ID to the correct entity and class from the start. Untangling six months of mixed postings is a genuinely miserable job.
Key takeaways
- Fees belong in their own expense account
- Refunds and chargebacks need distinct treatment
- Map merchant IDs to entities before go-live
Want this checked against your own statement?
We are an independent agent — we shop every processor we work with and bring you the best deal for your profile. Free analysis, every fee named, back within 4 hours. Or call now and we will quote you on the phone.