Payment Reconciliation

Reconciliation allows matching payments generated by PCH-SIG with mobile money payment operator statements (TELECEL, Orange Money, MTN).

Overview

Supported operators

Operator	Code	Color	File format
TELECEL	telecel	Red 🔴	CSV (;) or Excel
Orange Money	orange_money	Orange 🟠	CSV (;) or Excel
MTN Mobile Money	mtn	Yellow 🟡	CSV (,) or Excel

Create a reconciliation session

Step 1: Parameter selection

1. Go to Payments > Reconciliation
2. Click on New reconciliation
3. Select:

Field	Description	Required
Operator	TELECEL, Orange Money or MTN	Yes
Start period	Transaction start date	Yes
End period	Transaction end date	Yes
Cycle	Concerned payment cycle	No

Step 2: Import operator file

Download the operator statement and import it into the system.

TELECEL format

Column	Description
Transfer ID	Internal reference
Phone	Beneficiary number
Amount (FCFA)	Transferred amount
Transfer Status	SUCCESS, FAILED, IN PROGRESS
Date	Transaction date
Message / Operator Ref.	Operator reference
Transfer Order ID	Cycle code (e.g.: PCH-GB-001-C-16)
Beneficiary Name	Beneficiary's name
Remaining Balance (FCFA)	Operator account balance

Orange Money format

Column	Description
Transaction ID	Transaction reference
Recipient Phone	Beneficiary number
Amount	Amount
Status	Status
Transaction Date	Date/time

MTN format

Column	Description
TransRef	Transaction reference
MSISDN	Beneficiary number
Amount	Amount
TxnStatus	Status
DateTime	Date/time

Step 3: Execute matching

After import, click Execute matching to run the matching algorithm.

Matching algorithm

The system uses a multi-criteria algorithm to match transactions:

Matching priority

1. Reconciliation key (TELECEL only, score 100)

   • Format: 245{phone}-{beneficiarycode}

2. Exact reference (score 100)

   • Direct match by external reference

3. Fuzzy matching (score 60+)

   • Phone: +20 points
   • Exact amount (±1 FCFA): +40 points
   • Close amount (±1%): +20 points
   • Same day: +40 points
   • ±3 days: +20 points

Match statuses

Status	Code	Description	Action
Exact match	exact	Everything matches perfectly	Accept
Fuzzy match	fuzzy	Score >= 60, manual verification	Verify
Amount discrepancy	amount_gap	Payment found, different amount	Correct
Status discrepancy	status_gap	Payment found, different status	Correct
Not found internal	not_found_internal	External transaction without payment	Investigate
Not found external	not_found_external	Payment without transaction	Investigate

Discrepancy resolution

Available actions

Action	Code	Description
Accept	accepted	Validate the entry as is
Correct	corrected	Update payment with external data
Reject	rejected	Mark as invalid/rejected

Individual resolution

1. Click on an entry with discrepancy
2. Verify details (internal vs external)
3. Add an explanatory comment
4. Choose the resolution action

Batch resolution

1. Filter entries by status
2. Select multiple entries
3. Click Batch resolution
4. Apply the action to all selections

TELECEL integration

Automatic balance extraction

The system automatically extracts the operator account balance from the last line of the TELECEL file:

TELECEL file imported
    ↓
Extract "Remaining Balance (FCFA)"
    ↓
Update OperatorAccount.currentBalance
    ↓
Create adjustment movement

Cycle code

TELECEL includes the cycle identifier in the "Transfer Order ID" column (e.g.: PCH-GB-001-C-16), allowing automatic linking of transactions to the cycle.

Impact on operator accounts

During resolution:

• Accept + status "successful" → Debit from operator account
• Correct + status "successful" → Debit from operator account + payment update
• Reject → No accounting impact

Session statistics

Indicator	Description
Lines imported	Total transactions from file
Matches	Exact + Fuzzy
Discrepancies	Amount + Status
Not found	Internal + External
Match rate	(Exact + Fuzzy) / Total * 100
Variance	Total amount discrepancy

Finalization

Once all entries are resolved:

1. Verify no entry is "Pending"
2. Click Finalize session
3. The session status changes to "Completed"
4. The cycle can be updated if necessary

Export results

Available formats:

Format	Content
CSV	Raw data for analysis
Excel	Detailed report with formatting
PDF	Summary report for archiving

Cycle constraints

:::warning Important Reconciliation is not possible on cycles with completed status. Cycles with validated and in_progress status can be reconciled. :::

Best practices

:::tip Recommendations

1. Reconcile regularly: At the end of each cycle
2. Verify discrepancies: Don't ignore different amounts
3. Document rejections: Add explanatory comments
4. Archive reports: Keep PDF exports
5. Monitor not-found: May indicate data issues :::

Required permissions

Action	Permission
View sessions	reconciliation.view
Create session	reconciliation.create
Resolve entries	reconciliation.resolve
Finalize	reconciliation.finalize

See also

• Payment export
• Payment cycles
• Fee grids