Why your Amazon settlement never matches your bank exactly
Stop manually auditing MS Excel dumps. Here is the mathematical reason why standard bank reconciliation fails.
It is the most common question we hear from D2C founders: "Amazon says my payout is ₹5 Lakhs, but only ₹4,85,000 hit my bank. Where is the rest?"
The Timing Mismatch
Bank clearing times are the #1 culprit. Amazon initiates a payout on Wednesday, but it hits your bank account on Thursday or Friday. If a month-end boundary falls during this period, your Amazon ledger and Bank ledger will fundamentally misalign.
Reserve Policies and Holds
Amazon maintains an "Account Level Reserve" to cover potential A-to-Z Guarantee claims or chargebacks. This reserve fluctuates dynamically based on your seller performance and return rate. It is money that belongs to you but is temporarily inaccessible. In Tally, this needs to be tracked as a "Receivable - Amazon Reserve" asset, not recorded as lost revenue.
The Solution
You cannot reconcile by matching the bank deposit to total sales. You must reconcile by matching the bank deposit to the net settlement value extracted from the settlement report. MaruTally automates this mapping instantly.
Want to See MaruTally Handle This Automatically?
The processes described in this guide are automated inside MaruTally. Book a free demo to see live reconciliation using your own settlement data.
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