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.
Deposits & Reserves
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.
Where your money wentOct so far · every processor
82.7% of sales in your bank
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
A deposit is a batch of sales minus fees, refunds and chargebacks. It never lines up with a day.
Different reports, different schedules, different deductions.
Processors hold back part of your sales and release it months later.
A short deposit of a few hundred dollars hides in thousands of lines.
Why it matters
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
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 farExpected means after fees, refunds, chargebacks and reserve, so a short deposit is money that's really missing.
Payments team
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
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.
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.
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.
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
No code in your checkout. Nothing to migrate.
Link your billing platform, processors and bank, read-only.
Live in days
Beast matches every sale to a settlement and a bank deposit, every day.
Every dollar accounted for
Send the message Beast writes to your processor, and see the money land.
Money back in your bank
Case study
$914,758
secured · 12 Aug to 23 Sep 2026
| Before launch (60-day benchmark before launch) | 57.1% |
|---|---|
| After launch (First six weeks, traffic Beast managed) | 70.0% |
| Change, derived | +12.9 pts |
“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
Beast finds every missing dollar and writes the message. You send it.
Everything in the Platform, plus Beast runs routing and retries for you.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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