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Zennopay settles daily against each corridor’s payout partner and reconciles daily against partner funds. Anything that doesn’t balance is held and investigated before close.

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Daily cycle

Throughout the day, transactions draw down the partner’s pre-funded USD float as they settle. At end of business day (UTC), Zennopay runs its reconciliation pass, tops up downstream payout floats, and confirms that every in-flight balance has resolved. Anything still open is flagged for review rather than closed.

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Stuck transactions

If a transaction is stuck mid-flow — a payout-partner timeout with no confirmation either way — Zennopay holds it and re-queries the payout partner periodically. While unresolved, the partner sees the intent in processing state and the SDK surfaces “pending” to the end user. If still ambiguous after 24 hours, it escalates to manual review.

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Period close

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Reports the partner receives

  • Daily transaction summary — per-corridor transaction count and gross TPV.
  • Monthly statement — a period summary including processing margin.
  • Monthly invoice — commitment fees due, if any.
  • Reconciliation report (per corridor) — downstream settlement record vs Zennopay’s records, with any flagged discrepancies.

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Audit trail

Every state transition on every payment intent is recorded as an immutable, timestamped event, queryable by payment_intent_id and retained for 7 years per US payment-facilitator industry norm. Auditors can replay any historical transaction from the event log; no data is ever overwritten in place.

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Currency precision

All USD values are stored and returned as integer cents (amount_usd_cents) to avoid floating-point drift — see API conventions.