How to reconcile online payments received

What is it for?

When a customer pays online (Multibanco reference, MB WAY or card), the money does not reach your bank the same day: it arrives later, in a single transfer from the payment provider, with the commission already taken off. fiscaldoo books what the customer paid, gross, to a transit account for the provider. The Provider transfer clears that account when the money arrives: bank (net amount) plus commission (an expense, with deductible VAT) equals the gross amount. The commission is never a discount to the customer nor a partial payment of the invoice.

When to use it?

• When the bank receives a transfer from the provider (Eupago, ifthenpay) for the payments of several customers.
• To see how many payment requests were issued, paid, still to pay or expired in the month.
• Do not use it for a customer who pays by ordinary bank transfer: that receipt is reconciled with the invoice (reconcile bank movements).

Where to find it?

• Panel: Accounting › Reconcile › Online payments › What is there to do with the online payments?
• Transfers: Accounting › Reconcile › Online payments › Provider transfers.

Before you start

• Your profile is Accountant or Fiscal officer (the Administrative profile sees the panel; the list and the creation of transfers were opened with the Accountant and the Certified accountant).
• The provider is configured with the journal, the commission account (class 62) and the commission tax. Pending validation on screen: in the demo it was not possible to go through the transfer entry. Reading the provider's journal (Eupago) gives the error “Não pode ter duas linhas de forma de pagamento do mesmo tipo (inbound) e com o mesmo nome (Eupago) num único diário” (you cannot have two payment method lines of the same type (inbound) and with the same name (Eupago) in a single journal), and there are no customer payments in the provider's journal. What follows describes the screen and what the product says it does.
• The example is Empresa Demonstração, Lda, in November 2026.

How to use it

1. Open Accounting › Reconcile › Online payments › What is there to do with the online payments?. For the chosen month, the boxes show Requests issued, Paid, To pay and Expired or cancelled, with the amounts and the number of requests by Multibanco and by MB WAY e cartão (MB WAY and card). In November 2026: 1 request issued for 147,60 € (Multibanco), 0 paid, 1 to pay. Below, What is pending lists the references still to pay with their deadline (for example Multibanco reference to pay, 147,60 €, pay by 01/12/2026).
2. Open Provider transfers. The list has Date of the transfer, Provider, Received from customers (gross), Commission charged (with VAT), Received in the bank and State. In the demo it is empty (“The transfers that the payment providers made to your bank appear here once they are received.”).
3. Click New. Choose the Provider and the Bank the money came into, and enter the Date of the transfer. Under Entry, click Add a line to choose the payments the provider transferred: Received from customers (gross) adds itself up. Enter the Commission charged (with VAT) shown on the provider's document and that document's number in Provider document. Received in the bank is calculated: gross minus commission.
4. Click Record. The state changes from Draft to Posted. The entry clears the provider's transit account (see “Expected result”). Then the bank statement movement with the net amount is reconciled with this entry in reconcile bank movements.

Expected result

• The posted transfer has Received in the bank equal to the statement amount and the state Posted. A posted transfer cannot be edited or deleted: you correct it by reversing its entry.
• Journal entry, according to the product: debit to the bank account for the net amount, debit to the commission account for the commission base and to deductible VAT for the VAT, and credit to the provider's transit account for the gross amount, which is then reconciled. Pending validation by a certified accountant and on screen: accounts, VAT on the commission and amounts (not checked in the ledger, because the entry could not be made in the demo).

Important notes

• The payments list does not filter by provider. When you choose the payments, the screen lists the settled payments of the Bank journal (60 in the demo), even after you choose the provider. Choose only the ones the provider transferred.
• The product refuses, according to its description: posting without payments; posting a commission without the provider's document or without a commission account; settling the same payment twice; and a commission higher than the gross amount.
• The panel only sees the requests made through the provider in Odoo. Payments the customer made by other means do not appear.

Common problems

I cannot post the transfer

• Symptom: the list of payments to choose from does not have the provider's payments, or the screen refuses to post.
• Cause: the provider's journal is not configured correctly, or the customer payments did not go through the provider's transit account.
• What to do: ask the Fiscal officer to check the provider (journal, commission account and tax) and check that the payments were booked in the provider's journal.