Payments
Marketplace settlement reconciliation calculator
Take one order off your payment report, put the numbers in, and see what the published rate card says that order should have settled at. Where the two disagree, the tool shortlists the causes whose size matches the gap so you know what to argue about.
One order from your settlement report
Pick the category the marketplace has the product in, not the one you think it belongs to.
What the buyer paid, including GST.
The weight on your own scale.
Used to size the leak across the month.
The settled amount on the payment report, not the order value.
-₹36.58
Short paid on this order
₹515.02
What you should have got
₹478.44
What you got
7.1%
Of the settlement
₹9,145
Across 250 orders like this
₹1,09,740
At the same rate for a year
A gap of ₹36.58 on one order looks like nothing. Across 250 orders it is ₹9,145, and that money is sitting on the marketplace side of the ledger until somebody files for it.
What the gap looks like
Commission charged at a higher rate than your category
₹36.58
Your category should be charged at 17.0%. The money that arrived works out to 23.7%, which points at the product sitting in the wrong browse node.
Billed one weight slab heavier
₹36.58
The parcel was charged as if it weighed 1000g rather than 500g. This is the single most common short payment and it usually comes from the courier reweighing at the hub.
Commission charged on the GST inclusive price
₹30.57
Commission should sit on the value before product GST. When it is taken on the full amount the buyer paid, you quietly lose the commission on your own tax.
These are the causes whose size matches your gap. It is a shortlist to check against the fee lines on the report, not a verdict. More than one can be true at once.
What the rate card says this order costs
Buyer paid
₹999.00
Product GST
-₹152.39
Commission at 17.0%
-₹169.83
Closing fee
-₹25.00
Shipping fee
-₹79.00
GST on marketplace fees
-₹49.29
TCS and TDS
-₹8.47
Expected settlement
₹515.02
Commission implied by the money that actually arrived: 23.72%, against 17.00% on the published card. If those two are far apart and the weight is right, your product is almost certainly sitting in the wrong category.
How this works
- The expected settlement is built from the published rate card. Commission for your category, the fixed closing fee, shipping for the weight and zone, GST on those fees, then TCS and TDS.
- Your own costs are deliberately left out. This is only about the money the marketplace owes you, not whether the sale was worth making.
- The gap between expected and actual is then matched against the causes that produce a shortfall of roughly that size, so a five rupee hole and a five hundred rupee hole get different explanations.
- Every gap is grossed up for GST on fees before it is compared, because an overcharged fee always arrives in your bank with tax on top of it.
- The implied commission percentage is worked backwards from the money that landed. When that number is higher than your category rate and the weight checks out, the listing is usually in the wrong category.
Questions sellers ask
Why is my settlement lower than the order value even when nothing is wrong?
Because the buyer payment and your settlement are different numbers. Product GST goes to the government, commission and closing fee go to the marketplace, shipping goes to the courier, GST is charged again on those fees, and TCS plus TDS are withheld against your tax filings. A nine hundred and ninety nine rupee order settling near seven hundred is normal, not a short payment.
What is the most common reason for a short payment?
Weight. Parcels get reweighed at the hub and a product that leaves your table at four hundred and eighty grams can be billed at seven hundred and fifty. It is a few rupees an order and it never stops, which is why it adds up to more than the dramatic one off problems.
Can I get short payments refunded?
Often yes. Weight disputes, fee overcharges, refunds without a returned unit and inventory lost in the marketplace network are all recoverable through the seller support claim routes. The constraint is time. Most claim windows close somewhere between one and eighteen months, so the old ones go stale while you are busy selling.
How many orders should I check?
Start with the extremes. The heaviest parcels, the cheapest orders, anything that was returned, and anything in a category you have ever had reclassified. Problems cluster. If those come back clean, a random sample of twenty is usually enough to tell you whether there is a systemic leak.
The settlement figure was higher than expected. Should I do anything?
Note it and keep the record. Overpayments do get reversed later, sometimes months later, and it is much easier to explain a negative line on a future report if you already knew it was coming.
Do I need to upload my report anywhere?
No. This runs entirely in your browser and nothing is sent anywhere. If you want a full report checked line by line across every order rather than one at a time, that is what our reconciliation service does.