Fintech and payments companies

A payout is not one number

A processor deposit for a fintech or payments company hides more moving parts than a typical merchant payout: interchange, scheme fees, chargebacks, reserve holdbacks and a platform's own take rate are all netted into one settlement before it reaches the bank. Recording that settlement as a single revenue line makes it impossible to see what the business actually earned per transaction, or where fee structure is quietly eating into margin as volume grows.

Finbryn reconciles Stripe, Adyen or a similar processor's own transaction-level reporting against the bank deposit, splitting revenue, interchange, scheme fees, chargebacks and reserve movements into their own lines. That detail is what lets a platform business see gross payment volume, take rate and net revenue as three separate, trustworthy numbers instead of one blended figure.

Client money, reconciled daily, not monthly

Businesses holding client or safeguarded funds carry an obligation that most bookkeeping workflows never had to account for: the balance in a safeguarding account has to match the liability owed to clients, checked far more often than a standard month-end close. We reconcile safeguarding and client-money accounts against the underlying liability ledger on the cadence your regulatory obligations require, with any break traced to a specific transaction rather than smoothed over.

Lending books and platform revenue

For platforms with a lending book, accrued interest, provisions and charge-offs are tracked at the loan level where source data supports it, feeding into books built to support investor and regulatory reporting rather than a generic small-business chart of accounts. Platform revenue, subscription fees, transaction fees, interchange revenue, gets recognized separately by type and timing instead of as one number that hides how the business is actually growing.

Books built for what comes next

Investor updates, regulatory reporting and audit-ready records all draw from the same reconciled books, prepared to a standard an outside reviewer can actually follow. We prepare the records; an independent firm handles any audit itself, and any regulatory filing runs through your compliance function or counsel. Finbryn is not a money transmitter or payments licensee, issues no SOC 2 report, and determines no tax positions; we reconcile the books a licensed partner, auditor or credentialed preparer then relies on. Pricing follows the same structure as other high-volume reconciliation work on our pricing page, and this pairs directly with payment and marketplace reconciliation at scale. For the accounting mechanics behind a payments business (revenue recognition on transaction-based models, custodial fund handling, the KPIs investors ask for), see the fintech and payments accounting guide.