Intelligence
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  • Chargeback AnalyticsSoonKnow why chargebacks happen
  • Beast AISoonAsk why anything moved
One performance layer across the payment stack you already use. Not a processor.Platform overview

Billing platforms

Gateways

Don’t see part of your payment stack? Request itPartner with Beast All integrations

Deposits & Reserves

See where every dollar went, and get back what's missing.

Beast's AI-powered deposit reconciliation follows every sale to your bank, across every processor. It shows what's on its way, what's held and what's missing, and gives you the message to get it back.

See how it works

Three alerts. Gateway C: $12,400 hasn't reached your bank; its Oct 15 deposit came in short. Gateway A: holding back 14.9% of sales, usually 10%, $6,200 more than usual this week. Gateway D: fees at 3.9% of sales, usually 3.1%, $4,300 more than usual this month.

The problem

Money goes missing between the sale and your bank.

Deposits never match sales

A deposit is a batch of sales minus fees, refunds and chargebacks. It never lines up with a day.

Every processor pays its own way

Different reports, different schedules, different deductions.

Reserves are hard to track

Processors hold back part of your sales and release it months later.

Small gaps go unnoticed

A short deposit of a few hundred dollars hides in thousands of lines.

Why it matters

More processors, more places for money to hide.

  • 3.9

    Gateways the average merchant runs, each paying on its own schedule

  • 120 days

    How long after a sale a chargeback can still take money back

SourcesVisa and Merchant Risk Council, Global Fraud Report 2025 (gateways); Visa Core Rules, dispute time limits (chargebacks).

Inside the engine

Every dollar matched, from sale to bank.

Beast's AI model lines up three records for every gateway: what you sold, what your processor settled and what reached your bank, through a read-only bank connection. It explains every gap, from fees and refunds to chargebacks, reserves and money still on its way. What's left is money that's really missing.

Gateway CDeposits

Oct so far
  • Oct 12$9,640$9,640Matched
  • Oct 13$9,210$9,210Matched
  • Oct 14$9,880$9,880Matched
  • Oct 15$18,920$6,520$12,400 short
  • Oct 16$9,450$9,450Matched

Expected means after fees, refunds, chargebacks and reserve, so a short deposit is money that's really missing.

Payments team

A payments expert when the numbers don't add up.

Our payments team helps you read a gap and know what to ask your processor, from a short deposit to a reserve that looks too high.

What you get

Get paid what you're owed, every month.

Get back missing money

See which processor owes you, how much and since when, with a message ready to send.

Gateway C owes $12,400 since Oct 15. Beast writes the message to send them, with the numbers they need.

Know what's on its way

See which deposits are still settling and when they usually land, so you only chase what's really missing.

On the way, not in your bank yet: Gateway B $14,200, usually 2 days; Gateway A $9,800, usually 1 day; Gateway D $7,400, usually 3 days. Nothing to chase.

Keep reserves in check

See each processor's reserve, week by week, and know when it runs higher than usual.

Gateway A's reserve over ten weeks, as a share of sales: usually 10%, now 14.9%, $6,200 more held than usual this week.

Catch fees that creep up

Know when a processor charges more than its usual rate, before it costs you another month.

Gateway D's fees over ten weeks, as a share of sales: usually 3.1%, now 3.9%, about $4,300 more this month.

How it works

Connect once. Every deposit checked.

No code in your checkout. Nothing to migrate.

  1. Connect

    Link your billing platform, processors and bank, read-only.

    Live in days

  2. Match

    Beast matches every sale to a settlement and a bank deposit, every day.

    Every dollar accounted for

  3. Get it back

    Send the message Beast writes to your processor, and see the money land.

    Money back in your bank

Case study

What six weeks on Beast looked like for one merchant.

$914,758

secured · 12 Aug to 23 Sep 2026

Vertical
Digital subscription
Volume
$3.6M a month
First charges cleared+12.9 pts
First charges cleared, one merchant.
Before launch (60-day benchmark before launch)57.1%
After launch (First six weeks, traffic Beast managed)70.0%
Change, derived+12.9 pts
More customers on the same ad spend
+22.5%
Cost per customer
18% lower

Omid L., Principal

Verified review on G2

“Beast Insights turned my whole business around. … Their tools use millions of retroactive data points to match transactions with merchant accounts for the highest approval opportunity and lowest refund rate.”

Two ways to use it

Run it yourself, or let Beast run it.

Platform

Do it yourself

Beast finds every missing dollar and writes the message. You send it.

From $99 a monthSee pricing

Revenue boost

Done for you

Everything in the Platform, plus Beast runs routing and retries for you.

Priced on resultsSee pricing

FAQ

What merchants ask about deposit reconciliation and reserves.

Talk to a payments lead

What is deposit reconciliation?

Checking that every sale reached your bank. Beast matches what your billing platform sold, what your processor settled and what landed in your bank. It explains the difference: fees, refunds, chargebacks, reserves and money still on its way. Anything left is missing, and Beast shows which gateway owes it. More on payment reconciliation.

Why don't my bank deposits match my sales?

Because a deposit is a batch, not a sale. Processors take out fees, refunds and chargebacks, hold back a reserve, and pay on their own schedule, usually a few days later. Beast lines it all up gateway by gateway, so you see which part of the gap is normal and which part is missing.

Which platform can reconcile settlements, fees, refunds and chargebacks across processors?

Beast does, for subscription merchants. It reads every processor your billing platform uses, matches each one's settlements to your sales and your bank deposits, and explains every fee, refund, chargeback and reserve in one view, gateway by gateway. Money that's still missing is flagged, with the message to send your processor.

What tool tracks processor fees and deposits across multiple merchant accounts?

Beast does, in one dashboard. It reads every processor and merchant account your billing platform uses, and shows each one's sales, fees, refunds, chargebacks, reserve and deposits side by side, every day. You see what each processor costs you and what it still owes you, without piecing it together from their statements.

What counts as missing money?

Money that should have reached your bank and didn't, after fees, refunds, chargebacks and reserves. Beast shows how much, which gateway and since when. You set the amount worth chasing, and smaller gaps are grouped so they don't distract you.

How do I get a missing deposit back?

Open the gap to see what was expected, what arrived and when it stopped. Beast writes the message to your processor with the numbers they need, ready to copy and send. A recent gap often clears with one nudge, and Beast shows when the money lands.

What is a rolling reserve?

Part of your sales a processor holds back for a set time to cover future refunds and chargebacks, then releases. Beast shows each processor's reserve week by week and tells you when one runs higher than usual, so you can ask why before more is held.

Does Beast track processing fees?

Yes. Beast shows what each processor costs you as a share of your sales, week by week, and flags one that charges more than its own usual rate. You see the extra in dollars, so you can question it before another month passes. More on interchange fees.

How does Beast see my bank deposits?

Through a read-only bank connection. Beast sees each deposit as it lands and matches it to the processor that sent it and the sales behind it. If the connection drops, Beast tells you, so missing bank data never looks like missing money. The connection can't move money.

How is this different from my processor's reports?

Each processor reports only its own deposits, in its own format and on its own schedule. Beast puts every processor next to your sales and your bank, explains every gap in one place, and tells you which ones are worth chasing, so nobody has to rebuild it in a spreadsheet.

Does Beast move money or chase my processors for me?

No. Beast reads your data, read-only, and never moves money. It finds what's missing, shows which processor owes it and since when, and writes the message with the numbers your processor needs. Your team sends it, and Beast shows you when the money lands.

What do I need to connect?

Your billing platform, your processors and your bank, all read-only. There's no code to add to your checkout and nothing to migrate, and most merchants are live in days. See every billing platform, gateway and processor Beast connects to on the integrations page.

What does it cost?

Deposits & Reserves is part of the Platform plan, billed monthly by your processing volume, from $99 a month. The same plan also includes Anomaly Alerts, MID Health Monitoring and the rest of the Platform, for unlimited users. See pricing for every volume band.

Further reading

More on getting paid in full.