← Payment Reconciliation Workbench
Why does one payout show up as two (or more) bank deposits?
A processor sometimes releases a single payout as more than one bank transfer, or the bank simply posts it in pieces. The table below is the exact fixture the workbench's own test suite uses to confirm a split deposit is matched as one group, not left as two unexplained rows.
One payout, two deposits, three days
| Row | Date | Amount |
|---|---|---|
| Payout | 2026-08-20 | $100.00 |
| Deposit 1 | 2026-08-21 | $60.00 |
| Deposit 2 | 2026-08-22 | $40.00 |
Group total: $60.00 + $40.00 = $100.00, matching the payout to the cent. Both deposits are inside the 3-day date tolerance, so the workbench marks all three rows matched instead of leaving two unexplained deposits and one unexplained payout.
The search is bounded so a large export cannot freeze the browser: it looks at the first 18 eligible deposits near a payout (sorted largest amount first), and only accepts a group of up to 8 of them. A group is accepted only when its total equals the payout exactly — the workbench never guesses that a near-enough sum is close enough, because a genuine discrepancy would then hide inside a false match.
Open the workbench and upload your own payout and deposit CSVs to see this grouping run on your own data. Nothing you upload is sent anywhere.
This page is arithmetic, not accounting or financial advice. It does not tell you whether a discrepancy is acceptable and does not replace review by a qualified professional.
Common questions
Why does one payout show up as two or more bank deposits?
A processor sometimes releases a single payout as more than one bank transfer, or the bank posts it in pieces. A $100.00 payout landing as a $60.00 deposit one day and a $40.00 deposit the next is matched as a single group because the deposits fall inside the date tolerance and sum to the payout exactly. The workbench searches up to the first 18 eligible deposits near a payout, groups up to 8 of them largest-first, and only accepts a group whose total equals the payout to the cent.
What if the split deposits do not add up exactly, for example a fee was taken from one of them?
Group matching only accepts an exact sum, so a fee deducted from one leg of a split deposit breaks the total and the group is not formed. The payout is reported as an exception instead, and the workbench pairs it with the nearest unmatched deposit as a lead: for a $100.00 payout against a $96.80 deposit it reads deposit is 3.20 (3.20%) short — consistent with a processor fee deducted from the transfer. That is a hint to verify against the statement, not a match.
Can the same bank deposit end up explaining two different payouts?
No. Once a deposit is used in a matched group, or offered as the explanation for one exception, the workbench marks it used and will not offer it again. That keeps the review queue from double-counting a single deposit toward two different payouts.