Transaction Reconciliation API
What Is a Transaction Reconciliation API?
A Transaction Reconciliation API is a programmatic interface that provides normalised, queryable access to transaction and settlement data—enabling finance systems, ERP platforms, and BI tools to automatically ingest, match, and verify payment records without manual data extraction or file-format parsing. Instead of logging into multiple PSP portals and downloading proprietary settlement files into spreadsheets, finance teams query a single endpoint and receive a unified dataset across all connected providers.
The normalisation layer is the core value: every transaction event—authorisation, capture, settlement, refund, chargeback notification, reversal—is represented in a consistent schema regardless of which provider generated it. Without this normalisation, multi-PSP reconciliation requires custom parsers for every provider's file format, each breaking when providers update their reporting schemas.
What the API Provides
Normalised Transaction Events
Each event returned by the API includes: a universal transaction identifier, the merchant order reference, the provider-assigned authorisation code, the gross settlement amount, fees broken down by category (interchange, scheme, acquirer margin), the settlement date, transaction and settlement currencies, and the current status (authorised, captured, settled, refunded, in-dispute, reversed). This schema is consistent regardless of whether the underlying transaction was processed by Adyen, Stripe, Worldpay, or a regional acquirer.
Query Capabilities and ERP Integration
A production reconciliation API supports filtering by date range, status, provider, currency, and merchant reference, with cursor-based pagination for high-volume datasets. Aggregation endpoints return summary totals—total settled volume, total fee deductions, net settlement amount—for specific periods and provider combinations, enabling automated daily close processes without custom SQL queries.
Dispute and Chargeback Event Integration
A complete reconciliation API integrates the full dispute lifecycle: pre-dispute alerts (Ethoca, Verifi), formal chargeback notifications with reason codes, evidence submission deadlines, dispute outcomes, and final reversal events. These events affect net settlement amounts and must be Linked to original authorisation records to produce accurate accounts receivable figures. Omitting them creates a systematic overstatement of revenue.
How Hellgate Pulse Exposes the Reconciliation API
Pulse exposes a Transaction Reconciliation API that aggregates events from all PSPs connected via Link and normalises them into a single, consistent schema. The API is RESTful with JSON responses, versioned for integration stability, and documented in the Hellgate Developer Portal. Finance teams connect ERP systems (SAP, NetSuite, Dynamics) or BI tools directly—replacing daily settlement file workflows with automated pipelines.
For organisations with existing finance automation built on EDI or ISO 20022 formats, Pulse provides file export endpoints alongside the REST API—enabling a phased migration from file-based to API-based reconciliation.