Exceptions Caught, Card volume controlled.

Automated Credit Card Reconciliation & Analytics

Credit Card Recon validates every transaction against POS, PMS, and processor data daily, so the close is a validation, not an investigation.
Credit Card Analytics extends that Financial Trust Layer by surfacing interchange downgrades, card-not-present risk, chargeback losses, and missed DCC revenue opportunities.

FEE REDUCTION

$15K

fee reduction monthly in just 4 months

AUTOMATED RECONCILIATION

4 hrs to 2 min

reduction in daily credit card reconciliation

SURFACE WHAT MATTERS
25% to 50%

fewer exceptions to investigate

One Transaction. More to Recover.

Approved Is Not Settled.
Settled Is Not Posted.

Approved, settled, and posted are not the same thing. The gap is where properties lose.

× No Single View Across Channels. POS, processor, and bank each report separately, leaving finance to piece together the truth across properties.

× Resolution Delayed to Close. Manual exceptions sit in spreadsheets until close, turning preventable discrepancies into time-consuming investigations.

× No Audit Trail. When a number is challenged, there's no transaction-level evidence readily available to back it.

× Unnoticed Interchange Downgrades: Missing transaction data or settlement delays quietly push qualifying payments into higher-cost processing tiers.

× Missed DCC Opportunities. Dynamic currency conversion isn't consistently offered on eligible transactions, leaving potential revenue and guest choice on the table.

× Chargebacks & Refund Leakage. Incomplete dispute evidence, card-not-present exposure, and unchecked refund patterns put revenue at risk.

Reconciliation catches what doesn't match. Analytics reveals what it's costing you.

How Credit Card Recon & Analytics Work

Validate Every Card Transaction. Continuously. Automatically.

Credit Card Recon provides the foundation for accurate, automated reconciliation. It brings together card transactions across your existing systems, matches them daily, surfaces exceptions, and posts validated results to your system of record.

Credit Card Analytics builds on that same connected data to reveal where transaction costs, payment risks, and missed revenue opportunities are affecting your bottom line.

Two connected modules. One validated source of financial truth.

Transaction-level matching

Exception Resolution

Payment Optimization

Chargeback & Loss Prevention

Transaction-level matching

Match individual card transactions across POS, PMS, and processor records. See how every system reports the same payment, with the detail needed to identify discrepancies beyond batch totals.

Exception Resolution

Flag unmatched transactions with the detail needed to investigate and resolve them. Post validated results to your General Ledger so finance can close on numbers it can stand behind.

Payment Optimization

Identify interchange downgrades driving unnecessary processing costs and missed Dynamic Currency Conversion opportunities that could generate additional revenue.

Chargeback & Loss Prevention

Analyze card-not-present risk, chargeback evidence, and fraud or refund patterns to identify preventable losses and opportunities to improve dispute outcomes.

Credit Card Analytics: Optimization Levers Module | Evention

Five Levers Hiding in Every Card Transaction

Follow one card payment through the places margin slips away. Tap a stop to see what Credit Card Analytics finds.

Cost avoided

Downgrade Reduction

Missing Level II/III data pushes qualifying payments into higher-cost interchange tiers. Close the gaps and the fee drops back.

0.06%of card volume · about $4,800 a year per hotel at $8M

Estimated opportunity per hotel, per year

Tap each stop to add it.

Calculate your number

Based on the Impact Calculator's default lever rates and $8M annual card volume per hotel. Rates shift by region, and your portfolio will vary.

Real-World Examples

What Continuous Validation Catches

Month-end investigation

Ritz-Carlton Key Biscayne

Weeks to minutes. Exception investigation that used to consume the back half of every month-end now resolves in minutes. The variance is identified at the transaction level, so there is nothing left to reconstruct.

Write-offs eliminated

Fairmont Royal York

Thousands of transactions, over 99% auto-matched. Staff previously spent hours researching variances, often ending in large write-offs. Exceptions now surface on their own, so the write-off is no longer the cheaper option.

Processed vs. posted to bank

Marriott Rome

The gap was invisible. Now it is a daily view. An opening hotel could not reconcile processed against posted-to-bank. Postings now show by date and merchant ID, with variances visible daily.

95- 98% faster reconciliation

99% transactions matched automatically

$35K + $70K labor savings at a single property

The result?

The close is a validation, not an investigation.

See The Impact for your portfolio

Calculate the Value of Credit Card Recon & Analytics

This interactive calculator shows you what that gap is worth, in labor hours, and every unmanaged interchange downgrade, chargeback lost, or missed DCC opportunity, based on verified data from live hotel operations.

Try the Credit Card Recon & Analytics Calculator

Connected to the Systems You Already Use

Reconcile and optimize without changing how you operate.

The Evention Platform connects your POS, PMS, payment processors, and other financial systems, providing the transaction-level data needed for accurate, daily reconciliation.

Credit Card Analytics builds on that same connected data to identify payment processing costs, potential losses, and revenue opportunities across your properties.

Explore our growing integration library to see the systems and providers we support.

View Integrations

CREDIT CARD REVENUE MISMATCH

The IRS has a number. Does It Match Yours?

Every processor files a 1099-K each year, reporting the gross settled card volume it processed for the business. That number gets compared against what the business reports as revenue. Most properties never run that comparison themselves. They find out only when the two numbers do not agree.

That mismatch does not surface at close, and it does not surface in a customer dispute. It surfaces in a notice, months after the transactions happened, asking why the books and the processor's filing disagree. Picture reconstructing which authorization, settlement, or refund caused the gap.

Credit Card Recon matches every authorized, settled, and posted transaction against processor records continuously, so the total in the books and the total the processor reports stay aligned all year, not reconciled after the fact.

Checkout confirms payment. Evention confirms truth.

Every Card. Every Transaction.
Every Loop Closed.

Watch the walkthrough to see how Evention sits between your transactions and your reporting, validating every checkout as part of The Financial Trust Layer.

Can You Prove Yesterday's Card Revenue Right Now?

Request a Demo

Credit Card Recon FAQ

Credit Card Reconciliation Questions, Answered

For finance teams evaluating automated credit card reconciliation, from property level to portfolio.

What is credit card reconciliation?

Credit card reconciliation is the process of matching credit card transactions captured in point of sale and property management systems against processor settlement data and the general ledger. Done manually, it means comparing credit card statements line by line to find where the three do not agree. Credit Card Recon automates that comparison and matches 99% of transactions automatically.

How do you do credit card reconciliation?

Credit card reconciliation follows four steps: collect transaction data from every POS, PMS, and processor source, match transactions against settlement records, investigate and resolve exceptions, and post validated results to the general ledger. With Credit Card Recon, the first two steps run automatically every day, and exceptions surface with the transaction-level detail needed to resolve them. At Hilton Frankfurt Airport, the daily process moved from 4 hrs to 2 min.

What is automated credit card reconciliation?

Automated credit card reconciliation replaces manual statement matching with continuous validation that runs daily without a person starting it. Credit Card Recon matches processor data to POS and PMS records at the transaction level, then surfaces only the exceptions that need human judgment. Properties typically see 95% to 98% less time spent on card reconciliation.

Will Credit Card Recon connect with my company’s current ERP system?

Check out our Integrations page to see all of the software we integrate with. We’re constantly adding new ones!

How long does implementation take?

For the credit card reconciliation module of Total Recon, visit our POC page to learn more about the implementation process. Contact us for information about all other modules.

Can Credit Card Recon handle bank and credit card reconciliations together?

Yes. The Evention Platform includes modules for Cash Recon, Credit Card Recon, Credit Card Analytics, Tips+Gratuities, and OTA Recon, so card and cash reconciliation run in the same system with the same audit trail. Finance teams reconciling both see one validated set of results rather than two processes to align.

Does Credit Card Recon work across multiple properties?

Yes. Credit Card Recon reconciles at the transaction level by property, cashier, or register, and reports across the portfolio in one place. One global quick-service chain standardized reconciliation across 50+ locations. Any size operator can run it, from a single property to an enterprise portfolio.

What is Credit Card Analytics, and how is it different from Credit Card Recon?

Credit Card Analytics uses validated credit card transaction data to identify unnecessary processing costs, revenue opportunities, and financial risks.

Credit Card Recon confirms that transactions match across POS, PMS, processor, and accounting records. Credit Card Analytics uses the same data to identify interchange downgrades, card-not-present exposure, chargeback opportunities, fraud and refund leakage, and missed DCC revenue.

Both run on the Evention Platform, without requiring a separate integration.

What causes an interchange downgrade, and how can hotels reduce them?

An interchange downgrade occurs when a card transaction fails to meet certain qualification requirements, such as settlement timing or required transaction data, resulting in higher processing costs.

Credit Card Analytics helps hotels monitor interchange qualification and identify the transaction patterns behind unnecessary processing expenses, so finance teams can address the causes instead of accepting higher fees as unavoidable.

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Automated Credit Card Reconciliation & Analytics

Approved Is Not Settled.
Settled Is Not Posted.

Validate Every Card Transaction. Continuously. Automatically.