Where do in-store transactions appear for reconciliation?

In the same transaction record as online payments. When terminals send proper end-of-day messages, every event lands next to the merchant's e-commerce activity, so reconciliation works per merchant, per store and per acquirer without a separate POS export. That is the condition for finance teams to reconcile and for risk teams to investigate disputes.

In the same record as online payments

When terminals send proper transaction and end-of-day messages, every in-store event, sale, refund, cancellation and batch close, lands in the same transaction record as the merchant's e-commerce payments. The store, the terminal and the acquirer are attributes of the transaction, not a separate system.

What this enables

• Reconciliation per merchant, per store and per acquirer, without a separate POS export.
• Settlement files from the acquirer matched against both channels in one pass.
• Dispute investigation with the terminal event, the receipt and the acquirer response together.
• Reporting that shows store and web volume side by side.

The condition

Terminals must be integrated so that their messages reach the platform, not only the acquirer. Standalone terminals that report only to the acquirer leave the platform blind until the settlement file arrives, which is too late for daily closing. Operators should choose terminal integrations that deliver real-time events and end-of-day batches to the platform, and verify in the first market that every flow appears correctly before scaling.