Q3 GST filing due in 6 days
File your F5 return before 31 Jul to avoid late penalties.
Prepare GST F5RedDot Aesthetic Clinics
Read-onlyNo funds accessSG residency
Clariti ranked your day
What to work on first
Clariti highlighted the items that need your attention — across 23 open exceptions, 4 anomalies, 11 chargebacks and 6 disputes. Priority reads High, Medium or Low from value at risk (50%), time left (30%) and ease to clear (20%); every row shows the three numbers behind it.
Expected in — July
S$14,824,600
13,018 visits · 8 source files
Received to bank
S$14,793,360
Short S$31,240 (21.1 bps) — traced to the DBS statement
Expected vs. Received
ExpectedReceived
$16M$12M$8M$4M$0
Clariti Score
93%
98%
Paid on time14
Disputes open now6
Past evidence SLA14 of the 1,195 disputes raised this quarter are still open · 6 are past their evidence deadline.
Expectation ledger — by acquirer
July 2026 · month to date · ties to bank| Source | Expected net | Received | Variance | Rule fired |
|---|
No sources match your search.
Every row with a variance expands to its transactions, fee lines, and the row in the source file.
Merchant Feed
LiveAdyen raised card-present MDR to 2.20%
SGD 61,400 flagged against your 1.85% contracted rate and now in dispute.
Review fee impactShort settlement on GrabPay batch 0714
SGD 12,900 short of expected payout — needs review.
Open drill-downDBS deposit 003X matched
SGD 1,842,300 auto-reconciled to your PayNow (NETS) payout.
View settlementFee recovery
Year to dateIdentifiedS$276,200
In disputeS$61,400
RecoveredS$214,800
11.9×return on the S$18,000 annual plan — cash recovered to the bank, not projected savings.
Breakdown by Payment Type
Stripe (Visa/MC)99.71% Match
Expected netSGD 4.91M
Avg. Settlement
T+2 Days
Adyen (Visa/MC)99.87% Match
Expected netSGD 3.10M
Avg. Settlement
T+2 Days
GrabPay99.48% Match
Expected netSGD 2.49M
Avg. Settlement
T+1 Day
PayNow (NETS)100% Match
Expected netSGD 1.84M
Avg. Settlement
T+0 (Inst)
Worldline (Amex/UPI)100% Match
Expected netSGD 1.68M
Avg. Settlement
T+3 Days
Atome (BNPL)100% Match
Expected netSGD 0.79M
Avg. Settlement
T+7 Days
Six acquirers · expected net sums to S$14,824,600 — the same figure as Expected in — July.
Cleared to Date
SGD $14,793,360
1–26 Jul · ties to received to bank
Authorised, In Flight
SGD $1,284,800
489 transactions unsettled
Forecast at Close
SGD $17,283,703
31 Jul 2026 · current assumptions
Variance to Target
−SGD $116,297
Short of target by 0.7%
Expected Cash Receipts — 27 to 31 July
Day by day, how much more cash arrives before the cut-off. The shaded band is the downside-to-upside range; the red line is what you need to land to hit target. Flex any assumption and the band moves with it.
Current assumptionsDownside–upside rangeNeeded for target
Month to date · cumulative cashSolid = cleared · dashed = forecast
Assumptions
Start from a scenario, then flex any lever. The curve, the close and the transaction table all move with it.
Forecast close · 31 JulSGD $17,283,703Range $15.59M – $18.33M
Expected receipts 27–31 JulSGD $2,490,343
Of which new billingsSGD $1,400,000
Fees & refunds withheldSGD $73,057
Slips past cut-offSGD $121,400 · 47 txns
One more day of settlement delay moves close by −SGD $849,285.
Authorised, Awaiting Settlement
The transactions behind the forecast — funds captured from the customer but not yet paid out. Expected settle dates and status shift live with your delay assumption.
TransactionInvoiceSourcePayment methodExpected settleGrossNet to cashStatus
Effective Fee Rate
1.92%
+0.21 pts vs 1.72% blended rate card
Overcharges Detected
SGD $276,200
Year to date · S$31,240 of it in July
In Dispute
SGD $61,400
SGD $214,800 recovered YTD
Rate Card Validation
Every commission, platform fee and deduction checked against your contracted rate cards — so silent margin and revenue leakage surfaces before it compounds.
| Fee Source | Fee Type | Rate Card | Charged | Variance | Status |
|---|---|---|---|---|---|
| Stripe (Visa/MC) | Interchange++ | 1.80% | 2.04% | +0.24 pts | Overcharged |
| GrabPay | MDR | 1.85% | 1.97% | +0.12 pts | Overcharged |
| PayNow (NETS) | Switching fee | SGD 0.20 | SGD 0.35 | +SGD 0.15 | Overcharged |
| Adyen (Visa/MC) | MDR | 1.70% | 1.70% | — | On Rate |
| Worldline (Amex/UPI) | MDR | 2.40% | 2.40% | — | On Rate |
| Atome (BNPL) | Merchant discount | 3.20% | 3.20% | — | On Rate |
Margin Protection
96%
Fee accuracy across all checked lines
2,614Lines Checked
3Overcharges
$214,800Recovered YTD
Active Rate Cards
Stripe
PayNow (NETS)
GrabPay
Adyen
Worldline
Atome
Detected Anomalies
Overcharges, incorrect fee application and unexpected adjustments — detected automatically across every acquirer and payment partner.
OverchargeSGD 61,400
Stripe (Visa/MC)
Interchange++ billed at 2.04% against a 1.80% contracted rate since the 15 Apr schedule change — S$9,240 of it in the 19 Jul payout alone.
3,263 visits in July · 44 clinicsView evidence
Unexpected DeductionSGD 12,900
GrabPay
Four fee lines deducted from batch 0714 that do not appear on the wallet MDR schedule — the deduction R-107 attributed in full.
4 fee lines · batch 0714View evidence
UnexplainedSGD 4,120
Adyen (Visa/MC)
Received S$4,120 below the expectation with no rule match and no fee line to attribute it to. Held as unexplained rather than guessed at.
3 open items · 13.3 bpsView evidence
Unexpected AdjustmentSGD 440
PayNow (NETS)
Switching fee revised from SGD 0.20 to 0.35 mid-cycle with no corresponding rate-card notice on file.
220 transactionsView evidence
Transaction-Level Evidence
Line-level proof behind every finding — statements, rate cards and scheme schedules, ready to attach to a dispute or recovery claim.
| Transaction | Fee Source | Fee Type | Rate Card | Charged | Delta | Evidence | Action |
|---|---|---|---|---|---|---|---|
| #STR-88213 | Stripe (Visa/MC) | Interchange++ | SGD 1.80 | SGD 2.04 | +0.24 | SettlementRate card | |
| #STR-40917 | Stripe (Visa/MC) | Scheme fee | Not in schedule | SGD 2,610 | +2,610 | StatementScheme rate | |
| #NET-11288 | PayNow (NETS) | Switching | SGD 0.20 | SGD 0.35 | +0.15 | Statement | |
| #GRB-88410 | GrabPay | MDR | SGD 1.85 | SGD 1.97 | +0.12 | SettlementRate card | Recovered |
Open Exceptions
23
+5 surfaced today
Value at Risk
SGD $101,280
Caught before close
Avg. Resolution Time
1.8 days
-0.6 days vs last month
Exception Queue
Mismatches, short settlements and reconciliation gaps surfaced automatically the moment they occur — not discovered during month-end close.
| Exception | Amount | Detected | Severity | Status |
|---|
Resolution & Audit Trail
Full context and history for every exception — select a row to trace it.
Review Workflow
Every exception routed through a structured review workflow — replacing the email threads and spreadsheets close usually depends on.
Chargeback Win Rates
Anticipate chargebacks before they land and let Clariti auto-assemble the evidence — so you win the ones that do.
82%Win rate
Won438SGD 92,400 recovered
In review126Evidence auto-submitted
Lost96SGD 18,120 written off
Anticipated next 30 days
~140 likely chargebacks
73% flagged early from risk signals — evidence packs pre-drafted so you respond in one click.
Friendly-Fraud Deflection
Roughly 70% of chargebacks are friendly fraud. Deflect them before they land — prove the cardholder used the service, or take a pre-dispute refund recommendation and action it in your own gateway.
70%of chargebacks are friendly fraud, not true fraud
312 deflected this quarter
SGD 58,900 refunds & fees avoided
Fight without a refund
Review transactions that may lead to a chargeback and decide whether to initiate a refund transaction.
Transaction historyIP addressDevice fingerprint
Recommend a refund before it's filed
When a charge is flagged as likely friendly fraud, Clariti recommends a pre-dispute refund and drafts the case — you issue it in your own gateway. Clariti stays read-only and never moves money.
Disputes This Quarter
1,195
+18% vs last quarter
Regional Dispute Rate
2.59%
+0.5 pts vs prior
Top Hotspot
Jakarta
6.85% · 2.6× regional avg
Disputes by Clinic Market
Every dispute mapped to the clinic market that billed it. Bubble size and heat intensity scale with the dispute-to-visit rate — Jakarta stands out well above the regional baseline.
Map geometry unavailable — see the ranked hotspots at right.
Dispute rate0.8%6.9%
Dispute Hotspots
Clinic markets ranked by dispute rate.
Updating in real timeLive from 12 connected sources · synced just now
Dispute Reasons by Country
The reason mix behind disputes for each clinic market. Drag the slider to see how each country’s mix has trended month by month — Indonesia’s “item not received” share has climbed steadily as last-mile delivery has deteriorated.
Flagged Fraud Transactions
Transactions our models flagged as likely fraud or friendly fraud — with the underlying reason and the payment method each arrived through, so you can see where to tighten controls.
Cards SGD 831 · 56%E-wallets SGD 657 · 44%
TransactionPayment methodUnderlying reasonAmountRisk
#VIS-5812023 Jul 2026
GOGoPayE-walletBuyer claimed "item not received" — carrier confirms delivered and signed for.SGD 248.00High#VIS-5799322 Jul 2026
VISAVisaCard · StripeUnauthorized claim, but device and IP match three prior settled visits.SGD 512.00High#VIS-5784021 Jul 2026
GCGCashE-walletSubscription actively used for 14 days before the dispute was filed.SGD 89.00Medium#VIS-5761120 Jul 2026
MCMastercardCard · Stripe"Not as described" with no return; product was activated and registered.SGD 176.00Medium#VIS-5740219 Jul 2026
GPGrabPayE-walletDuplicate refund requested after a chargeback was already won.SGD 320.00High#VIS-5728818 Jul 2026
AXAmexCard · StripeRepeat payer — five approved visits on the same card, then disputed one.SGD 143.00LowAuto-Mapped
98.6%
1,284 of 1,302 txns
Journals Generated
42
Balanced & ready to post
Needs a Rule
18
Unmapped transactions
Mapping Rules
Consistent rules map each transaction type to your Chart of Accounts — eliminating manual journal preparation.
| Rule | Debit | Credit | Coverage | Status |
|---|---|---|---|---|
Acquirer commissionAdyen · Stripe · Worldline | 6010Commission Expense | 2100Marketplace Payable | 412 txns | Active |
Card processing feesVisa · Mastercard · NETS | 6020Bank Charges | 1010Bank – DBS | 388 txns | Active |
Settlement receiptsAll payout batches | 1010Bank – DBS | 1200Trade Receivables | 1,302 txns | Active |
GST on platform feesInput tax · 9% | 1360Input GST | 2100Marketplace Payable | 220 txns | Active |
FX adjustmentCross-border payouts | 7100FX Gain/Loss | 1010Bank – DBS | 46 txns | Review |
ERP Export
42
journals ready to post
All 42 entries balanced
1,284 lines mapped to CoA
GST codes applied
0 posting errors flagged
Generated Journal Entries
Structured, double-entry journals — each line backed by the source transactions, ready for accurate accounting treatment.
JE-2026-0721PayNow (NETS) settlement · 21 Jul
21 Jul 2026Ready
| Account | Debit (SGD) | Credit (SGD) |
|---|---|---|
| 1010Bank – DBS | 1,842,300.00 | — |
| 6010Commission Expense | 78,700.00 | — |
| 1200Trade Receivables | — | 1,921,000.00 |
| Total | 1,921,000.00 | 1,921,000.00 |
Backed by 48,120 transactionsBalanced
JE-2026-0722Card processing fees · Weekly
21 Jul 2026Ready
| Account | Debit (SGD) | Credit (SGD) |
|---|---|---|
| 6020Bank Charges | 4,980.00 | — |
| 1360Input GST | 398.20 | — |
| 1010Bank – DBS | — | 5,378.20 |
| Total | 5,378.20 | 5,378.20 |
Backed by 388 transactionsBalanced
Reports Generated
128
This quarter
Verified Lineage
100%
Every line traceable
Avg. Prep Time
4 min
-92% vs spreadsheets
Reconciliation Summary — July 2026 Verified
A verified financial report backed by transaction-level drill-down and full lineage — click any line to trace it to source.
| Line Item | This Period | Prior | Variance |
|---|---|---|---|
| Gross Patient Collections | 15,083,492 | 13,837,150 | +9.0% |
Lineage Acquirer settlement APIsReconciliation engineJE-2026-0710GL 4000 · Revenue 13,018 patient transactions across 6 acquirers · 8 source filesOpen drill-down | |||
| Acquirer Fees & Commissions | (258,892) | (234,080) | +10.6% |
Lineage Settlement statementsFee verificationJE-2026-0721GL 6010 · Commission Expense 2,614 fee lines checked · SGD 61,400 in dispute (year to date)Open drill-down | |||
| Net Bank Settlement | 14,793,360 | 13,571,900 | +9.0% |
Lineage DBS bank statementsBank matchGL 1010 · Bank – DBS SGD 31,240 expected but not yet received · 21.1 bpsOpen drill-down | |||
| Fee Leakage Recovered (in month) | 38,600 | 22,400 | +72.3% |
Lineage Exception workflowRecovery claimsGL 7200 · Recoveries 9 claims closed in July · SGD 214,800 recovered year to dateOpen drill-down | |||
Report Builder
Tailored to your workflows — no manual spreadsheets.
Workflow template
Sections
Reconciliation summary
Fee & commission analysis
Exception log
Variance & context notes
Journal entries
Payment-type breakdown
Variance & Context
Contextual explanations and variance summaries that simplify audit, compliance and due-diligence reviews.
Acquirer Fees & Commissions+10.6%
Clariti explanation
Driven by a Stripe Interchange++ increase from 1.80% to 2.04% carried since the 15 Apr schedule change, across all 44 clinics. SGD 61,400 of the cumulative rise is flagged against the contracted rate card and is now in dispute.
Audit-readyView lineage
Net Bank Settlement+9.0%
Clariti explanation
In line with gross patient collections growth of +9.0%. Of the July expectation, SGD 31,240 has not yet reached the bank — 21.1 bps, of which SGD 27,120 is already attributed by rule; a separate SGD 1,284,800 is authorised but unsettled and lands in the next settlement cycle.
ComplianceView lineage
Fee Leakage Recovered77.8% closed
Clariti explanation
Claims closed in July returned SGD 38,600 to the bank; year to date the recovery workflow has returned SGD 214,800 — 11.9× the annual plan cost — across switching fees, interchange and commission overcharges. SGD 61,400 is still in dispute. Each claim carries full transaction lineage for due-diligence review.
Due diligenceView lineage
Net Cash, All Markets
SGD $19.94M
+9.2% · all markets
Open FX Exposure
SGD $47.5K
Unrealised · IDR-led
Where July Was Billed
The same numbers as the table below, on the ground. Click a market to zoom in — every clinic inside it reports its own collections, visit count and reconciliation.
1.0×
Drag to pan · ⌘ or Ctrl + scroll to zoom
Map geometry unavailable offline — clinic figures are listed alongside.
Your Markets
Every market has its own currency and its own tax rule. Clariti already holds each one — GST, VAT, SST — against the market it belongs to, so you never look one up.
| Market | Local Net | In SGD | Recon | Status |
|---|---|---|---|---|
SG Singapore Home market · base currency GST 9% | SGD14,793,360 | SGD 14,793,360 | 99.4% | Consolidated |
ID Indonesia Jakarta · Surabaya VAT 12% | IDR24,780,000,000 | SGD 1,943,834 | 96.8% | Consolidated |
PH Philippines Manila VAT 12% | PHP62,480,000 | SGD 1,487,619 | 98.1% | Consolidated |
TH Thailand Bangkok VAT 7% | THB28,940,000 | SGD 1,092,075 | 97.6% | Consolidated |
MY Malaysia Kuala Lumpur SST 8% | MYR2,180,000 | SGD 622,857 | 99.0% | Consolidated |
All Markets Together
SGD $19.94M
Net cash across markets · 5 of 5
Include in the total
Singapore
Indonesia
Philippines
Thailand
Malaysia
FX Exposure by Market
Each market holds cash in its own currency before it reaches you. This is what that cash is worth in SGD today — and how much of it could still move before it converts.
At risk right nowSGD 47.5KOpen positions not yet converted to SGD, across 4 markets. Nothing here is lost — it is the amount that can still move with the rate.
Current rate · live · 1 SGD buys
Detail
Connected sources
Connected Sources
12
Across 5 categories
Sync Latency
Real-time
Reconcile as data moves
Manual Exports
0
No downloads, no lag
Connected
Connect the tools you already use
Clariti plugs into the systems your finance team already uses — like Airwallex, Stripe, and Aspire — so you can start reconciling as soon as data moves, instead of waiting for someone to export a file.
AWAirwallexStStripeAsAspire
2-way sync
Meet your data where it lives
Pull spreadsheets, documents, and raw exports from your cloud storage into Clariti for reconciliation and reporting — then write results back when you're ready. Store it in Clariti Cloud. We support Google Drive, with more sources on the way.
GDGoogle DriveCCClariti Cloud
Connected
Every payment gateway, one place
Aspire, PayPal, Stripe, Hitpay, Airwallex, and others feed straight into Clariti. No manual downloads, no lag.
AsAspirePPPayPalStStripeHPHitpayAWAirwallex
Connected
Insurer and corporate billing, covered
Pull claim and remittance data from the payers your clinics bill — insurer portals, corporate health plans, and your practice-management system — so patient billing reconciles beside card and wallet settlement.
MHMHC AsiaFHFullerton HealthGEGreat EasternPLPlato PMS
Write-back
Send results where they're needed
Push reconciled journals, account-mapped transactions, and audit-ready reports into Xero and other accounting systems.
XeXero
Unified data: every acquirer, wallet, payer portal, and bank feed normalised to one ledger — down to the individual visit.
Reconciliation workflow
Add stepDrag nodes to arrange · drag a node's right dot to connect · click a line to remove
Clariti
Settlement received
Logic based on 1 field:
Source
Condition
Amount reconciles
Logic based on 2 fields:
Visit amountBank payoutFee variance
Logic based on 1 field:
Fee rateAll other conditions
Clariti
Auto-reconcile & post
DBDBSXeXero
Clariti
Verify fees
ADAdyenRCRate card
Clariti
Create exception
RVReview
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