Daily Settlement Report

1. Problem & goal

Ops need a daily store-level settlement view that (a) reconciles Actual vs Expected Received and Actual vs Expected Paid, (b) proves the cash balance equation, and (c) flags unstable settlement amounts against a selectable previous-day moving average.

Goal: one screen where investigators can see which store is wrong, why (line-level Diff), and whether today’s settlement is abnormal vs recent history.

2. Settlement time model (cut-off)

• Cut-off: daily 11:00 clean settlement.
• Settlement window: previous day 11:00 → report date 11:00. Example: 17 Sep 11:00 → 18 Sep 11:00.
• Settlement time (run): report date ~11:01. Example: 18 Sep 11:01.
• All Settled / Expected Settlement figures for the report date must use this window batch, not calendar midnight–midnight.
• UI must display Settlement window + Settlement time + Cut-off on every report.

3. Page layout & controls

1. Payo brand chrome (navy top bar, logo, Poppins/Inter, teal accents).
2. Title: Daily Settlement Report.
3. Controls:
   • Report date picker
   • Previous average toggle: 7-day / 14-day / 30-day (mutually exclusive; default 14)
4. Above column headers, a Total row shows the sum of Open Balance, To Commission, To Adyen, To Merchant, To SameDay Account, Close Balance, and Diff (outflow columns use bracket format).
5. Summary KPIs: store count, To Merchant (window) = sum of column To Merchant (Actual) across all stores (payout to merchants for the day; excludes SameDay Account and To Commission), with status pills showing selected previous N-day average total and % difference vs today, yellow alert count, red alert count.
6. Main table: one row per store; click expands detail.

4. Main table columns

Do not show Fees, Net, or a separate Settled column on the main grid (Settled history remains only in the 7-day chart / store subtitle).

5. Balance equation (red alert)

If left-hand side ≠ Close Balance (tolerance: 0.01 AUD after rounding to 2 dp), set status light to red, show the gap in the Diff column, and add a balance break red status pill on the store row. Do not recolour the Diff cell itself.

Tooltip / subtitle should state the gap, e.g. Open − outflows ≠ Close (gap $X.XX).

6. Settlement stability chart & previous average

• Place a mini chart before each store name (same row).
• Bars: last 7 days Settled amounts for that store (window-based daily settled).
• Overlay: horizontal dashed line = selected previous N-day average, where N ∈ {7, 14, 30}.
• Previous N-day average definition: mean of Settled for the N days immediately before report date (exclude today). Not including today.
• Alert rule: if today Settled > previous N-day avg → status light yellow (in addition to balance-break rule).
• Today’s bar may use warn colour when over the line; chart background may tint warn.
• Global toggle updates all store charts and alert recalculation.

7. Expandable reconciliation detail

Clicking a store row expands two side-by-side comparison cards.

7.1 Actual Received ↔ Expected Received

• Actual (Surcharge / Deduction): collected amounts from the Commission Account ledger.
• Actual (Charge back / Charge back fee): amounts that go directly to Adyen (not Commission). Sum = main-grid To Adyen (Actual).
• Expected: amounts we should collect, computed by the backend (rules / fee schedule / window batch). Must not be the same feed as Actual.

Columns: Line item | Actual | Expected | Diff. Diff ≠ 0 → red row highlight. Received Total = Surcharge + Deduction only (Charge back / fee excluded, same pattern as SameDay on Paid).

Received amounts display as positive (plain dollars).

7.2 Actual Paid ↔ Expected Paid

• Actual: amounts that were paid out — from system automatic payout and/or manual payout records.
• Expected: amounts that should be paid, from the system’s payout calculation basis (rules for the settlement window). Must not be copied from the Actual payout feed.

Paid / outflow amounts use AU accounting brackets, e.g. ($4,200.00). To Merchant on the main table equals the Paid card Total row: To Merchant = Settlement + Refund. Same-day settlement remains a detail line and the main-grid To SameDay Account column, but is excluded from the Paid Total (so Total always matches To Merchant).

Badge on card: “Matched” or “N mismatch(es)”. SameDay over/under still drives over-paid / under-paid status even though it is outside Total.

8. Money format (AU)

• Locale: en-AU, 2 decimal places.
• Positive / balances: $1,234.56
• Negative / outflows / paid: ($1,234.56) — no leading minus sign; same ink colour as positives (not red).
• Diff column: same bracket convention for negative diffs.
• Red highlight only when Diff ≠ 0 (mismatch row), not merely because a value is negative/bracketed.

9. Status light rules (summary)

Red/yellow recon rules compare totals (sum of line items). Paid totals use absolute payout amounts (ignore display brackets). Line-level Diff ≠ 0 still highlights red inside the expanded detail.