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Reconcile CardConnect Deposits with your Payments Report

Learn how to understand and solve discrepancies between your reported card sales and your actual bank deposits.

Why Deposits Don't Always Match Sales

You may notice that the card sales total in your Vori Sales Overview or Payments Report doesn't always match the deposit that appears in your bank account.

This is a common point of confusion, especially if you've used other payment processors in the past.

✏️ Note: Cardconnect deposits accepted card payments in full, then deducts processing rates and fees from the first day of sales for the following month.

This guide uses a real customer scenario to walk you through the steps to identify these deductions and reconcile your account.

Troubleshooting Checklist

If your deposit does not match your sales report, follow these steps to find the cause:

  1. Check the date. If it's the first or second business day of the month, the difference is likely your total processing fee from the previous month. Confirm this on your CardConnect Statements page.

  2. Subtract all adjustments. In your Vori Payments Collected table, subtract the Declined Offline Payments amount from the Card total to get your true expected deposit.

  3. Look for pending orders. If a small difference remains, search your Vori Orders for a transaction with that exact amount and check if it is "Waiting for approval from card network."

Scenario 1: Address Monthly Processing Fees

You may see a large, infrequent discrepancy on the second business day of a new month. This is typically due to Cardconnect's processing rates & fees for the previous month being deducted.

A store owner saw $4,732.75 in Vori card sales on August 1st, but the deposit they received on August 2nd was only $4,105.52, a difference of $627.23.

Follow these steps to verify this deduction:

  1. Log in to your CardConnect customer portal.

  2. Navigate to the Reporting tab and select Statements.

    Reporting - Statements Card Connect

  3. Download the statement for the previous month (in this case, July). The Total Fees Processed on that statement was $627.23, matching the difference exactly.

💡 Tip: To see a list of your daily deposits, navigate to the Reporting tab in CardConnect and select Funding. Remember that sales from one day are typically funded on the next business day (e.g., sales from Aug. 1st are funded on Aug. 2nd).

Card Connect - Reporting - Funding

Scenario 2: Reconcile Daily Sales and Deposits

This is the most common scenario, where your daily Vori sales total is slightly different from your next-day deposit.

In this example, the store's Payments Collected report showed $4,965.78 in Card sales, but their next-day deposit was only $4,742.42. This is a difference of $223.36.

Step 1: Subtract Declined Offline Payments

First, check the Payments Collected table in your Vori Sales Overview or Payments Report.

⚠️ Caution: A common error is to only look at the main Card total. You must also account for any adjustments listed below it.

The report showed a specific line item for Declined Offline Payments totaling -$196.33. This must be manually subtracted from the card total.

  • Card Sales: $4,965.78

  • Declined Payments: -$196.33

  • Adjusted Sales Total: $4,769.45

  • Remaining Difference: $27.03

Step 2: Investigate Pending Transactions

Next, investigate the small remaining difference, which in this case was $27.03. This is often a single transaction that was processed offline and is awaiting final approval.

  1. Navigate to the Orders report in Vori.

  2. Filter by the date of sale and search for the exact amount of the remaining difference $27.03.

  3. Click into the order to view its status. In this case, the status read: "Waiting for approval from card network."

This confirms the payment was collected in Vori but has not yet been funded by CardConnect.

Step 3: Determine Next Steps for Pending Payments

If a payment remains pending for more than a few days, you may need to take action.

First, try to find the transaction in the CardConnect portal by navigating to Reporting and selecting Transactions. All payments, regardless of status (failed, declined, approved), should appear here.

If the transaction does not appear in CardConnect or you cannot determine its status, you should contact your card processor directly to pursue payment.