Rabindra Cafés · 9 outlets · Kolkata · Week of 26 Oct₹22,300 found

Every payment matched.Every missing rupee found.

Swipellet collects payment data from your POS, UPI providers, card acquirers, gateways and delivery platforms, matches every transaction to sales and bank credits with AI, checks fees against your agreed rates, tracks refunds and chargebacks, and shows exactly how much money is where.

Reconcile 1 month free Find the missing ₹18,400
Reconciles every way your customers pay
UPI Cards Gateways Delivery payouts Cash Bank credits
From counter to back office

Seven stations between a swipe and a closed month.

Each payment passes through the same desk your best accounts head would run, only it never skips a line.

1 The QR stand

Payment Feeds

Connections to POS systems, UPI providers, card acquirers, payment gateways, delivery platforms and bank statements. Read-only, refreshed every morning.

POS · 9 outlets UPI provider A UPI provider B UPI provider C Acquirer 1 Acquirer 2 Gateway Delivery 2 · file due Current account
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2 The terminal

AI Settlement Matcher

Matches payments to sales, settlements and bank credits, even when references differ, and flags anything missing or short.

Bill 4-88213 → UTR 3301…99.6%
Bill 7-33019 → 2 batches81.4%
Outlet 4 · 28 Oct UPIShort
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3 The cash drawer

Outlet Ledger

Sales and collections by outlet, day, shift and payment method, cash included.

ClosedSmall gapOutlet 4
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4 The statements tray

Fee Checker

Fees and MDR checked against agreed rates, with claim letters drafted.

Agreed rate1.6%
Charged on 312 txns2.1%
Excess to claim₹3,900
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5 The statements tray

Refund Tracker

Refunds and reversals tracked all the way to settlement.

128 reversed6 in transit12 open
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6 The dispute file

Chargeback Desk

Chargebacks and UPI disputes with evidence attached, deadlines counted down and outcomes matched in settlements.

CB-1182 · Not recognised · ₹3,24031 Oct
UD-0721 · Debited, not credited · ₹5602 Nov
CB-1169 · ₹2,780Won
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7 The back office

Cash Position

Settled, pending and expected money by account and provider, for daily cash planning.

Settled
₹38.2 L
Pending
₹2.9 L
Expected
Friday
Explore Cash Position
One week at Rabindra Cafés

How the ₹18,400 turned up on a Thursday morning.

Nine outlets, eleven payment feeds and one accounts team of three. This is what the week of 26 October looked like inside Swipellet.

Mon 06:10

Files arrive

POS exports, three UPI settlement files, two acquirer MDR reports, two delivery payouts and the bank statement are pulled before anyone logs in.

Lines loaded41,286
Duplicates dropped318
Mon 06:40

Matched three ways

Each bill is tied to its payment, each payment to a settlement, each settlement to a bank credit. 99.8% clear without a person touching them.

Auto-matched41,205
For review69
Thu 09:15

Gap at Outlet 4

214 UPI payments collected on 28 Oct at Rabindrapally have no settlement. Two days of collections from one provider never reached the bank.

Collected₹18,400
Settled₹0
Thu 11:30

Raised, not guessed

The accounts head gets the UTR list for the provider, a fee claim for ₹3,900 and 12 refunds to chase. All drafted, all reviewed by a person.

Found this week₹22,300
Refunds to chase12
Built for many counters

If you take payments in more than one place, the gaps add up.

Swipellet is used where many outlets, many terminals and many payment methods meet one accounts team.

Restaurant and café chains

  • Dine-in, takeaway and two delivery platforms on one ledger
  • Platform commissions, ad charges and packaging deductions checked per order
  • UPI QR at every table matched to the right bill

Retail chains

  • Hundreds of terminals mapped to the right store
  • EMI and premium card fees checked against agreed MDR
  • Exchange and return refunds followed to reversal

Pharmacies

  • High volume of small UPI payments matched bill by bill
  • Cash-heavy outlets reconciled shift by shift
  • Insurance and online orders kept apart from counter sales

Petrol pumps

  • Fleet cards, UPI and cash per nozzle and shift
  • Card fees on fuel checked against special rates
  • Daily deposit gaps flagged the next morning

Salons and spas

  • Advance bookings, packages and walk-ins in one view
  • Gateway payouts matched to appointments
  • Counter refunds on cancelled services tracked

Hospitals and clinics

  • OPD, pharmacy and lab collections by department
  • Deposits, part-payments and refunds on discharge
  • Card and UPI collections across many counters

Ecommerce brands

  • Gateway, COD remittance and marketplace payouts per order
  • Returns and RTO reversals matched to settlements
  • Gateway MDR checked across payment methods
Reads money, never moves it

Reconciliation software with read-only access to your payment and bank data.

  • Swipellet never holds, moves or releases money. No payout or transfer permissions are requested.
  • Every AI match carries a confidence score. Unclear matches go to your accounts team to confirm.
  • Fee claims and dispute responses are drafted for you to send. Outcomes depend on each provider's terms.
  • Card numbers are never stored. Only the masked references providers share are used.
  • Data is encrypted in transit and at rest, and is never sold.

Every match explained

Open any matched line to see why it matched: the reference, amount, time window and outlet that tied it together.

Full audit trail

Every line links back to the original file. Every confirmation, override and note records who made it and when.

Questions

Asked at the accounts desk.

Still unsure about your setup? Connect with us.

Does Swipellet move our money?

No. Swipellet only reads payment and bank data. It cannot initiate payments, transfers, refunds or payouts, and it never holds funds.

Which providers do you support?

Any POS, UPI provider, card acquirer, payment gateway, delivery platform or bank that gives you a report, file or API. Connections run through APIs, SFTP, a forwarding email address or scheduled uploads.

Can it handle cash too?

Yes. Shift-close cash counts and bank deposit lines are matched to POS cash sales, so cash shortages show up next to UPI and card gaps.

Does it work for one outlet?

Yes, and for hundreds. A single café uses the same matching as a 300-store chain. Pricing is per outlet, so you pay for what you run.

Does the AI file claims?

It drafts them. Fee claims, refund follow-ups and chargeback responses are prepared with the transactions attached. Your accounts team reviews and sends them.

How long does setup take?

Most chains connect their main feeds in two to five working days. The first reconciliation runs as soon as one month of files is loaded.

23:59 Closing time · all outlets

The counter is quiet. Every dot is green.

Outlet 1Gariahat
Outlet 2Salt Lake
Outlet 3Park St
Outlet 4Rabindrapally
Outlet 5Ballygunge
Outlet 6New Town
Outlet 7Dum Dum
Outlet 8Howrah
Outlet 9Behala
Sales ₹42.6 LMatched 41,286 / 41,286Left open ₹0

Reconcile your first month free. One month of payments, up to 3 outlets, every feed connected.

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