Lines of Credit

Modern card and payment programs are messy by default. Transactions arrive late, out of order, partially captured, duplicated, or adjusted days after the fact. Without a robust reconciliation layer, ledgers drift, balances become unreliable, and operations teams are left stitching together reality by hand.

Today, we’re excited to introduce Reconciliation in Canopy — a production-grade reconciliation service designed to keep your ledger accurate, auditable, and trustworthy, even when upstream systems are not.

🔍 Visibility Into Reconciliation Jobs & Exceptions

Reconciliation jobs are now visible directly in Canopy OS, with clear indicators for:

• Provider and entity being reconciled
• Execution timing and duration
• Whether exceptions were detected

Teams can drill into each job to review individual exceptions and their resolution status.

🚨 Clear Exception Types & Resolution

When mismatches are found, Canopy classifies them into actionable exception types such as:

• Amount mismatches
• Missing internal transactions
• Status mismatches
• Duplicate matches

Each exception includes a clear explanation and recommended or applied resolution.

🛠️ Backdated, Auditable Corrections

When enabled, Canopy can resolve certain discrepancies using backdated transactions, ensuring:

• Historical balances remain correct
• Statements stay consistent
• All actions are explicit, traceable, and audit-ready

Nothing is silently rewritten.

✅ Built for Real Credit Programs

Canopy does not replace your issuer. Instead, it provides:

• A definitive system of record for balances
• A reconciliation layer that absorbs issuer complexity
• A scalable foundation for servicing and audit

With Reconciliation, issuer data can be imperfect — while your ledger stays correct.