Selling on Amazon, Flipkart, Nykaa, Myntra, Zomato, Swiggy? Every gross sale, every commission deduction, every refund, every bank credit — three-way reconciled in real time. Catch the gaps before they leak your margin. Stop reconciling settlement reports in spreadsheets.
Every D2C founder knows the gap. You sold ₹84.2 L. The bank shows ₹71.8 L. The marketplace report shows ₹78.4 L expected. The PG shows ₹73.1 L settled. None of them match. Open's substrate is built to find every rupee of that gap — and tell you why it's missing.
Open doesn't bolt D2C features on top of corporate banking — it was designed knowing your money flows through marketplaces, PGs, fulfilment partners, and ad platforms. Every workflow your team runs in a spreadsheet, native here.
Amazon, Flipkart, Nykaa, Myntra, Zomato, Swiggy — gross-net-bank reconciled by order ID, every settlement cycle.
Razorpay, Cashfree, PayU, Stripe — every txn matched to bank credit, MDR auto-deducted, refunds tracked.
OD line that knows your settlement is T+1 from Amazon. Drawdown automatic, repayment auto on settlement.
Marketplace TCS auto-claimed in 2A. ITC reconciled. Returns booked correctly. No GST notice surprises.
Card swipes for Meta and Google tagged by campaign. ROAS by channel. Live burn vs revenue, per platform.
COD remittance reconciled. Forward / RTO ratios tracked. Per-order P&L visible the day the shipment lands.
Beauty, snacks, fashion, F&B, electronics — running across 4-12 marketplaces, dozens of PG accounts, hundreds of SKUs. Four common shapes we see, and the specific leakage each one stops on Open.
Beauty brand selling across horizontal marketplaces, vertical beauty platforms, own site, and quick commerce. Settlement reports reconciled monthly — refund credits vanish into "margin drift." On Open: every refund tracked at source, gaps surfaced the week they happen. First month surfaces ₹2.4 L of missing credits.
Food delivery aggregators settle on T+1 to T+3 cycles. Reconciling outlet-level settlement reports against bank credits used to be a finance-head Saturday. On Open: the agent reconciles Friday night, pings only on variance. Saturday becomes a day off.
Ad spend on Meta + Google attributed to a campaign. Revenue lands 4-7 days later via marketplace settlement. ROAS was only knowable three weeks later when accounts caught up. On Open: card swipes tagged by campaign, marketplace settlements matched live. ROAS visible the day the campaign closes.
Marketplace TCS (Section 52) deductions pile up in GSTR-2A but never get reconciled against the claim. Quiet leakage compounds across quarters. On Open: TCS auto-claimed from marketplace settlements. First month surfaces ₹4.2 L of unclaimed credits and drafts the corrections.
Open's substrate was built knowing your money moves through marketplaces, PGs, and ad platforms before it reaches your bank. Catch the leakage before it becomes a margin call.