Introducing Reconciliation in Canopy

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.