# Financial Management

Financial management is how you price, bill, fund, and reconcile payments on Xplor Pay.

Use it to control fees, automate payouts, and close the books faster.

### Pick a Financial Workflow

<table data-view="cards"><thead><tr><th></th><th></th><th></th></tr></thead><tbody><tr><td><strong>Merchant Pricing</strong></td><td>Define your fee model and apply it across merchants.</td><td><a href="/pages/b8ac6c91003e7d4bc28bfad428b504c015105a50">Learn more</a></td></tr><tr><td><strong>Merchant Billing &#x26; Funding</strong></td><td>Fee calculation + payout schedules.</td><td><a href="/pages/ZYzpv1ER54nPQxiqABnK">Learn more</a></td></tr><tr><td><strong>Financial Reporting</strong></td><td>Statements, tax forms, and reconciliation exports.</td><td><a href="/pages/DnQNtTpN1qbTZ5777X8J">Learn more</a></td></tr><tr><td><strong>Disputes Management</strong></td><td>Chargebacks: track cases and submit evidence.</td><td><a href="/pages/69bd4efb2cf58385e300c62389be8e215571ba81">Learn more</a></td></tr></tbody></table>

{% hint style="info" %}
Rule of thumb:

* Setting up a new program: start with **Merchant Pricing**.
* Paying merchants: go to **Merchant Billing & Funding** next.
* Reconciling and month-end close: use **Financial Reporting**.
* Handling chargebacks: use **Disputes Management**.
  {% endhint %}

{% hint style="warning" %}
Funding and fee behavior is configuration-driven.

Align pricing, billing cadence, and payout timing before go-live.
{% endhint %}

### Comparison Matrix

| Need                                     | Use                                                                                                                              | What you get                                               |
| ---------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------- |
| Standardize fees across a portfolio      | [Merchant Pricing](/getting-started/getting-started/our-products/financial-management/merchant-pricing.md)                       | Pricing templates and merchant-level fee configuration     |
| Automate fee collection and payouts      | [Merchant Billing & Funding](/getting-started/getting-started/our-products/financial-management/merchant-billing-and-funding.md) | Fee calculation, billing cycles, and ACH funding schedules |
| Reconcile payouts to processing activity | [Financial Reporting](/getting-started/getting-started/our-products/financial-management/financial-reporting.md)                 | Statements, summaries, tax documents, and exports          |
| Reduce chargeback impact                 | [Disputes Management](/getting-started/getting-started/our-products/financial-management/disputes-management.md)                 | Case tracking, evidence submission, and outcomes           |

### Typical Lifecycle

{% stepper %}
{% step %}
**Configure pricing.**

Pick a fee model and assign it to merchants.
{% endstep %}

{% step %}
**Set billing and funding rules.**

Choose fee cadence and payout schedule.
{% endstep %}

{% step %}
**Run settlement and payouts.**

Funds move to the merchant via ACH.
{% endstep %}

{% step %}
**Reconcile.**

Use statements and exports to tie transactions to deposits.
{% endstep %}

{% step %}
**Manage exceptions.**

Handle adjustments, returns, and disputes.
{% endstep %}
{% endstepper %}

### Requirements

* An approved merchant account on Xplor Pay.
* Access to the Partner Portal and/or Merchant Portal.
* Merchant bank details for ACH payouts.
* If integrating: API credentials for reporting.
* PDF viewer for statements and tax forms.

### Next Step

If you haven’t onboarded merchants yet, start with [Merchant Onboarding](/getting-started/getting-started/our-products/merchant-onboarding.md).

If you’re still wiring up transactions, go to [Payment Processing](/getting-started/getting-started/our-products/payment-processing.md).

For operational exports (transactions, settlements, etc.), see [Reporting](/getting-started/getting-started/our-products/reporting-solutions/reporting.md).

### Need Help?

{% hint style="success" %}
Tell us your billing cadence and payout goals. We’ll recommend a setup that reconciles cleanly.

<a href="https://xplorpay.com/getting-started/" class="button primary">Get in touch</a>
{% endhint %}


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