Marketplaces settled.
Margins protected.
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.
Gross sold ≠ money in the bank.
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.
- 01Marketplace-aware. Open recognises Amazon, Flipkart, Nykaa, Myntra, Meesho, Zomato, Swiggy at source — knows the commission structure, knows the settlement cycle.
- 02Three-way reconciliation continuously — gross from marketplace ↔ expected after deductions ↔ bank credit. Every gap surfaced with the offending order ID.
- 03Settlement-cycle aware. Knows T+1 from T+7, knows which marketplace runs which calendar, knows when a delay is normal and when it's a flag.
- 04PG layer too — Razorpay, Cashfree, PayU, Stripe — three-way matched with marketplace and bank in the same workflow.
- 05Margin-protected. Catches commission errors, missing refund credits, returns booked as sales — before they reach your accountant.
Every D2C-specific workflow. Natively.
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.
Marketplace
3-way recon
Amazon, Flipkart, Nykaa, Myntra, Zomato, Swiggy — gross-net-bank reconciled by order ID, every settlement cycle.
PG ↔ bank
matched
Razorpay, Cashfree, PayU, Stripe — every txn matched to bank credit, MDR auto-deducted, refunds tracked.
Settlement-aware lending
OD line that knows your settlement is T+1 from Amazon. Drawdown automatic, repayment auto on settlement.
TCS · ITC · returns
Marketplace TCS auto-claimed in 2A. ITC reconciled. Returns booked correctly. No GST notice surprises.
Meta · Google ·
creator network
Card swipes for Meta and Google tagged by campaign. ROAS by channel. Live burn vs revenue, per platform.
Delhivery ·
Shiprocket ·
Bluedart
COD remittance reconciled. Forward / RTO ratios tracked. Per-order P&L visible the day the shipment lands.
Built for these brand patterns.
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.
₹2.4 L in refund credits.
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.
Settlements done.
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.
Day the campaign closes.
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.
Never claimed.
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.
Every channel. Every rupee.
Three-way matched.
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.