ISO residual reconciliation
ISO residual reconciliation for agent portfolios
ISOs and agents inherit complex residual structures: splits, pass-through fees, portfolio tiers, and versioned Schedule A tables. Reconciliation proves each month's report matches the contract that governs your pay.
Your first audit is free
- One free audit on any processor format
- Map your Schedule A once, then reconcile every line item
- Then $147/mo Agent unless you cancel before your first charge
ISO books outgrow spreadsheet reconciliation
When merchant count and processor formats multiply, manual reconciliation becomes selective. Agents reconcile the merchants they remember to check, not the full book the ISO agreement covers.
- Multiple Schedule A versions across acquisition cohorts create silent rate drift.
- Line item labels on processor reports rarely match Schedule A wording one to one.
- Sub-ISO and split structures add layers that headline totals cannot validate.
- Quarterly fire drills miss variance that accumulated every month in between.
Automated ISO residual reconciliation workflow
Residual Genius ingests your processor export, applies the Schedule A snapshot effective for that board month, and produces a reconciliation ledger: expected, actual, and variance per merchant and fee type.
Centralize Schedule A versions
Store rate tables with effective dates so reconciliation uses the contract version that applied when the report was generated.
Normalize processor layouts
Different processor exports map to a common schema so the same reconciliation logic applies across portfolios.
Export reconciliation evidence
Confirmed exceptions roll up with dollar impact suitable for ISO operations and processor alignment reviews.
Residual Genius, independent residual auditing for ISO agents.
Frequently asked questions
- What is ISO residual reconciliation?
- It is the process of verifying that residual payments on your processor report equal what your Schedule A specifies for each merchant and line item in a given month.
- Can sub-ISOs use the same workflow?
- Yes. Reconciliation is driven by your uploaded Schedule A and merchant IDs, regardless of how many layers sit above your contract.
- Does this replace my ISO's internal reporting?
- No. It gives you an independent check against your contract terms, complementary to statements your ISO or processor provides.
Ready to reconcile your next report?
No upfront payment. Start your first audit free, then $147/mo. Cancel anytime in one click.
Audit your first report free