Treasury & Reconciliation
Gain Visibility Into Your Cash Position
Cliq brings cash visibility, settlement tracking, and reconciliation together on the same platform that processes your payments — so card and ACH activity, funding events, and reporting all tell one consistent story.
One View of Your Cash Position
Money moves through many hands before it reaches your account — acceptance, authorization, settlement, funding. Because Cliq runs the processing, the gateway, and the ACH network, supported events appear in a single view, from the moment a payment is captured to the moment it's reconciled.
Supported money movement events appear in one view, from capture to close
Detailed Settlement Tracking
Between a batch closing and funds arriving, most businesses are guessing. Cliq shows the journey:
- Batch & Deposit VisibilitySee which transactions make up each batch and which batches make up each deposit
- Funding TimelinesTrack expected funding events, including Next-Day and Same-Day options for eligible merchants
- Fees, Adjustments & ReturnsLine-item visibility into what was deducted, adjusted, or returned — and why
- Split Settlement TrackingFollow dynamic funding instructions across card and ACH splits for multi-party platforms
Funding timing, fees, cutoff times, exclusions, and program requirements apply.
Automated Reconciliation Support
Matching processor reports to bank deposits to accounting entries is where finance teams lose their days. Cliq supports automated matching:
- Card + ACH in One LedgerSupported payment activity brought together for reconciliation — no cross-vendor report stitching
- Deposit-to-Transaction MatchingTrace supported bank deposits back to their underlying transactions
- Accounting IntegrationsQuickBooks and Xero payment reconciliation to help keep books aligned
- Exception HandlingReturns, disputes, and adjustments surface as exceptions instead of hiding in totals
Automate Treasury Workflows
As operations grow, moving money between accounts shouldn't mean manual transfers and spreadsheets. Cliq supports automated treasury structures:
- Sub-Accounts & WalletsSegment funds by location, program, or purpose with structured sub-accounts
- Automated DisbursementsScheduled and rule-based payouts on Cliq's proprietary ACH network
- Dynamic Funding InstructionsRoute settlement across participants automatically — up to 4-way card and 3-way ACH splits
- APIs & Reporting FeedsPull treasury and reconciliation data into your own systems through documented APIs, reporting feeds and returns via webhook
Capability availability depends on the merchant, use case, geography, and current terms.
Built for Businesses That Move Real Money
Multi-Location Businesses
Cash visibility across every location
Sub-accounts, consolidated reporting, per-location reconciliation
Franchises
Royalties and shared settlement
Split settlement, automated disbursements, funding visibility
Finance Teams
Support a more efficient monthly close
Deposit matching, accounting integrations, exception handling
SaaS Platforms & Marketplaces
Multi-party money movement
Dynamic funding instructions, APIs, settlement feeds
ISOs & Agents
Portfolio-wide oversight
Merchant-level settlement visibility, centralized reconciliation
B2B Companies
Large invoices, clean books
ACH visibility, settlement tracking, line-item fee reporting
Frequently Asked Questions
What does treasury management mean on Cliq?
Cash visibility, settlement tracking, sub-accounts, wallets, and automated money-movement workflows — managed on the same platform that processes your card and ACH payments.
Can I trace a bank deposit back to individual transactions?
Yes. Deposits map back to their batches and underlying transactions — including fees, adjustments, and returns — to support review of settlement activity on your bank statement.
Does Cliq integrate with accounting software?
Yes. QuickBooks and Xero integrations support payment reconciliation to help align your books with actual settlement activity.
Can platforms split settlement across multiple parties?
Yes. Dynamic funding instructions support up to 4-way splits on card transactions and 2-way splits on ACH, with each leg tracked in reporting. Availability depends on the program and current terms.
Can I pull treasury data into my own systems?
Yes. Documented APIs and reporting feeds let eligible implementations pull settlement and reconciliation data into internal systems — see apidocs.cliq.com.
Close Your Books with Confidence
When acceptance, settlement, funding, and reconciliation live on one platform, treasury stops being detective work. Talk to Cliq about bringing your money operations into one view.
Or call us directly at (866) 634-3044