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

Merchant Pricing

Define your fee model and apply it across merchants.

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Merchant Billing & Funding

Fee calculation + payout schedules.

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Financial Reporting

Statements, tax forms, and reconciliation exports.

Learn more

Disputes Management

Chargebacks: track cases and submit evidence.

Learn more

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.

Funding and fee behavior is configuration-driven. Configure merchant pricing, billing cadence, and payout timing before onboarding merchants or accepting payments.

Comparison Matrix

Need	Use	What you get
Standardize fees across a portfolio	Merchant Pricing	Pricing templates and merchant-level fee configuration
Automate fee collection and payouts	Merchant Billing & Funding	Fee calculation, billing cycles, and ACH funding schedules
Reconcile payouts to processing activity	Financial Reporting	Statements, summaries, tax documents, and exports
Reduce chargeback impact	Disputes Management	Case tracking, evidence submission, and outcomes

Typical Lifecycle

1

Configure pricing.

Pick a fee model and assign it to merchants.

2

Set billing and funding rules.

Choose fee cadence and payout schedule.

3

Run settlement and payouts.

Funds move to the merchant via ACH.

4

Reconcile.

Use statements and exports to tie transactions to deposits.

5

Manage exceptions.

Handle adjustments, returns, and disputes.

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.

If you’re still wiring up transactions, go to Payment Processing.

For operational exports (transactions, settlements, etc.), see Reporting.

Need help?

Tell us your billing cadence and payout goals. We’ll recommend a setup that reconciles cleanly.

Get in touch