New - Just Launched

PG Charges Recon Audit Every Gateway Fee

Payment gateways charge MDR, platform fees, and deductions that almost no brand audits. Our team reconciles every settlement, validates every charge, and ensures refunds and chargebacks are processed correctly — so you pay only what you agreed to.

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MDR rate validation

Settlement reconciliation

Chargeback audits

Monthly reporting

Trusted by The Whole Truth

and 100+ brands

Without PG Recon

Fees charged, never questioned

MDR charged above contracted rate

Settlement amounts don't match order totals

Refunds deducted but not passed to customers

Chargebacks processed without scrutiny

No monthly PG cost or loss visibility

With PG Recon

Every fee validated, every settlement matched

MDR rate validated against your contract

Every settlement reconciled to orders

Refund processing tracked end–to–end

Chargebacks audited and disputed where invalid

Monthly PG cost & discrepancy report

How it works

Connect your PG

API integration or settlement file uploads from Razorpay, Cashfree, PayU, Easebuzz, and others.

Match orders to settlements

Every order matched to its PG settlement. Shortfalls, timing gaps, and extra deductions flagged instantly.

Validate fees & refunds

MDR rates cross-checked against contract. Refunds traced. Chargebacks audited against your OMS records.

CFO-ready report

Clean monthly report of PG costs, discrepancies, and recovery amounts — ready for your finance team.

What we audit

MDR Validation

Merchant Discount Rate charged by your gateway validated against contracted rates for every single transaction.

Settlement Timing Recon

Track T+2 / T+3 cycles. Flag delayed settlements and their working capital impact — and follow up for resolution.

Refund Reconciliation

Match every refund initiated to gateway processing and actual credit. Catch refunds deducted but never processed.

Chargeback Management

Audit chargebacks raised against your account. Flag fraudulent or incorrectly categorised disputes with evidence.

GST on PG Fees

Validate GST charged on payment gateway fees and ensure input tax credit is correctly claimable in your books.

Payment Method Analytics

UPI vs. card vs. wallet cost breakdowns. Know your actual cost per payment method to optimise checkout.

Supported Payment Gateways

File upload or API — all major Indian payment gateways supported

Razorpay

Cashfree

PayU

Easebuzz

Stripe

CCAvenue

Paytm PG

PhonePe PG

Find out what your payment gateway is actually charging you

Book a demo. We'll audit your last month's PG settlements and show you exactly where the gaps are — before you commit.