For D2C brands

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.

Settlements · today 4 channels
Gross marketplace sales
₹4.16 Cr
⚠ ₹1.02 L variance · Zomato
Stripe · Razorpay · PG ×2 3-way
Zomato gap flagged · ₹1.02 L6 refund credits missing · last 4 days
Marketplace settlements · today
1 gap
Gross marketplace sales · today
₹4,16,72,180
⚠ ₹1.02 L variance · Zomato refunds
Swiggy · 8 outlets
weekly · T+1 settled
+₹11.98 L
3-WAY
Zomato · 12 outlets
weekly · ₹1.02 L gap
+₹8.42 L
GAP
Amazon FBA · India
daily · 38/40 settled
+₹1.28 Cr
38/40
Stripe · web checkout
8,412 txns today
+₹2.15 Cr
3-WAY
Shopify · multi-region
T+1 expected · pending
₹8.27 L
T+1
Where's my biggest gap today?
Zomato · ₹1.02 L · 6 refund credits missing · likely orders from Jun 02.
LIVE OPEN AGENT · v2.4

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.
₹1.8 L
average gap found in first month of recon
7 d
average delay reduction in settlement matching
95%
marketplace transactions auto-reconciled at source
Marketplace recon · this week ✦ Live
Source Gross Expected Match
Swiggy
₹14.82 L ₹11.98 L MATCHED
Zomato
₹11.28 L ₹9.44 L ₹1.02 L GAP
Amazon · FBA
₹1.42 Cr ₹1.28 Cr 38/40
Flipkart
₹82.4 L ₹74.1 L MATCHED
Nykaa
₹62.8 L ₹56.5 L MATCHED
Shopify
₹8.42 L ₹8.27 L T+1

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.

Settlements

Marketplace
3-way recon

Amazon, Flipkart, Nykaa, Myntra, Zomato, Swiggy — gross-net-bank reconciled by order ID, every settlement cycle.

Payment gateway

PG ↔ bank
matched

Razorpay, Cashfree, PayU, Stripe — every txn matched to bank credit, MDR auto-deducted, refunds tracked.

Working capital

Settlement-aware lending

OD line that knows your settlement is T+1 from Amazon. Drawdown automatic, repayment auto on settlement.

GST on marketplace

TCS · ITC · returns

Marketplace TCS auto-claimed in 2A. ITC reconciled. Returns booked correctly. No GST notice surprises.

Ad spend

Meta · Google ·
creator network

Card swipes for Meta and Google tagged by campaign. ROAS by channel. Live burn vs revenue, per platform.

Logistics

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.

Beauty D2C · ₹68 Cr ARR
6 marketplaces.
₹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.

Shape 6 marketplaces · 1 entity · PG ×2
F&B chain · 120 outlets
Saturdays back.
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.

Shape 120 outlets · 4 channels · POS-integrated
Fashion D2C · ₹140 Cr ARR
ROAS by channel.
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.

Shape 4 channels · multi-platform · PG ×3
Snacks brand · ₹42 Cr ARR
₹4.2 L of TCS credits.
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.

Shape 4 marketplaces · 1 GSTIN · Tally
✦ For D2C brands

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.

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HUMAN AGENT