The settlement file
MASROOF emits a daily CSV at 06:00 Riyadh time listing every successful payment and refund that was captured the previous day. Columns: `transaction_id`, `payer`, `gross`, `fees`, `net`, `payout_reference`.
Matching to the bank statement
Each payout reference appears on the bank statement as a single line item. Sum `net` by `payout_reference` in MASROOF and match against the bank line. A mismatch of more than SAR 5 is almost always a refund issued after the cut-off — those land on the next day's file.
Handling chargebacks
Chargebacks arrive as negative `net` with `transaction_type = chargeback`. Post them to your disputes account, not revenue, so your income report stays clean. MASROOF's finance report already does this split automatically.
Month-end close
On the last business day, run the **Month-end reconciliation** report from the Finance menu. It compares every MASROOF settlement against bank postings and highlights any unmatched line in red.