Payment & Finance Automation
Multi-payment gateway integration and automated accounting flows.
Contact UsWhat Is the Payment & Finance Automation Module?
The Payment & Finance Automation module handles the financial layer of retail operations — from payment acceptance and gateway routing to commission calculation, invoice generation, and accounting system integration. Financial data flows automatically from transaction to ledger without manual entry.
For retailers managing multiple payment methods, marketplace commissions, and cross-border VAT obligations, this module replaces a fragile patchwork of manual processes with a reliable, auditable financial automation stack.
Core Capabilities
Multi-Gateway Payment Acceptance
Accept payments through multiple gateways simultaneously, with automatic failover if the primary gateway is unavailable. Payment method availability is configurable per channel, currency, and geography.
- Gateway integrations: Stripe, Iyzico, PayTR, PayU, and custom gateway API
- Automatic gateway failover: secondary gateway activates on primary failure
- Payment method library: cards, bank transfer, installment, digital wallets, BNPL
- Currency acceptance: local and international currencies per storefront
- 3D Secure and SCA compliance for European card transactions
Marketplace Commission Management
For retailers selling on multiple marketplaces, commission structures differ by platform, category, and sales volume. The module tracks gross sales, calculates platform commissions, and produces net payout projections automatically.
- Marketplace commission rules: per-platform, per-category, and volume-tier structures
- Automatic net revenue calculation after commission and fee deduction
- Marketplace payout reconciliation: expected vs. received settlement amounts
- Commission trend analysis: effective commission rate over time by platform
- Dispute management: flagging settlement discrepancies for review
VAT & Tax Automation
Tax calculation, invoice generation, and filing compliance are handled automatically across jurisdictions. For B2B transactions, electronic invoice generation and delivery comply with local requirements.
- Real-time VAT calculation based on product type, customer type, and geography
- B2B electronic invoice generation compliant with local e-invoice mandates
- VAT return data export in jurisdiction-specific formats
- Reverse charge mechanism handling for cross-border B2B transactions
- Tax exemption certificate management for exempt customers
Accounting Integration
Financial data from every transaction is automatically mapped to accounting categories and posted to connected accounting systems. Daily reconciliation runs without manual intervention, with exception reports flagging anomalies for review.
- Direct integration: QuickBooks, Xero, SAP, and Muhasebe+ (for Turkey)
- Automatic chart of accounts mapping per transaction type
- Daily settlement reconciliation with variance reporting
- Multi-entity accounting: separate P&L by brand, location, or channel
- Cash flow dashboard: daily inflows, outflows, and net position
Who Is This For?
- **Multi-channel retailers** accepting payments across web, mobile, and POS
- **Marketplace sellers** managing multi-platform commission complexity
- **International retailers** handling cross-border VAT and tax obligations
- **Franchise operators** needing consolidated financial reporting across locations
Integration Points
The Payment & Finance Automation module receives transaction data from the Omnichannel Sales and Inventory & Fulfillment modules, and produces financial records that feed directly into connected accounting systems.