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Numbers change. The record doesn't.
Processors revise, files arrive late, and spreadsheets get edited. Praetor keeps the record ISOs and their sponsor banks can both stand behind, starting with every residual.
| Merchant | Volume | Expected | Paid | Difference |
|---|---|---|---|---|
| 184,220.50 | 405.29 | 405.29 | — | |
| ||||
| 96,410.00 | 212.10 | 212.10 | — | |
| ||||
| 312,905.12 | 688.39 | 541.20 | −147.19 | |
| ||||
| 58,300.75 | 128.26 | 128.26 | — | |
| ||||
| 141,772.30 | 311.90 | 311.90 | — | |
| ||||
Your split is right; the revenue isn't. The residual file counts $246,000.00 of volume for Seven Hills Dental, but the processor's own merchant report shows $312,905.12. The missing $66,905.12 is one batch from Aug 12 that never made it into the residual file: $294.38 of net revenue, or $147.19 at your 50% split. A dispute file is ready, and the window closes Oct 15.
- Residual file, row 2,184
- Merchant report, batch 0812-17
- Schedule A, v3
Twice in six months: February ($88.40) andMay ($121.05), each a batch missing from the residual file. Both were recovered after a dispute. The pattern is in the processor's file, not your terms.
- February close
- May close
- Dispute log
One. Dana Ruiz earns 40% of your residual on Seven Hills Dental, so $58.88 of the shortfall is hers. Her statement shows it as pending until the dispute resolves.
- Agent agreement, D. Ruiz
- August statement
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