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FinOps7 min read

Running Your Finances on Tonder

Where is my money, when does it land, and can I prove it? One screen answers all three — from live balance to month-end close.

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Finances

Balances, settlements & reconciliation

🇲🇽 MXNYO

On the way to your bank

MX$0

Settled — arriving in your account

Pending settlement

MX$0

Processed, awaiting acquirer

Rolling reserve

MX$0

6% held · releases after 180 days

SettlementNet depositExpectedStatus

STL-4821

Cards

MX$497,420Feb 18settled

STL-4820

Cards

MX$380,280Feb 18settled

STL-4819

SPEI

MX$903,200Feb 19pending

One screen for your money

Stop drowning in spreadsheets and acquirer portals.

Finance teams juggle exports from every processor, reconcile them by hand, and still can't answer "how much do we have right now?" The Finances module consolidates balance, daily activity, settlements, and statements into one live view — so closing the month is a workflow, not an archaeology dig.

Daily Balance Movement

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Export

Date	Opening	Gross Vol.	Fees	Tax (IVA)	Chargebacks	Rsv. Held	Rsv. Rel.	Settlements	Adj.	Closing
Feb 17	MX$1,642,300	+MX$285,400	−MX$8,277	−MX$1,324	−MX$5,200	−MX$8,562	+MX$7,120	–	−MX$2,457	MX$1,869,000
Feb 16	MX$1,498,800	+MX$248,100	−MX$7,195	−MX$1,151	–	−MX$7,443	+MX$6,890	−MX$285,000	–	MX$1,642,300
Feb 15	MX$1,352,200	+MX$312,600	−MX$9,065	−MX$1,450	–	−MX$9,378	+MX$8,240	–	–	MX$1,498,800
Feb 14	MX$1,608,400	+MX$198,500	−MX$5,757	−MX$921	−MX$7,800	−MX$5,955	+MX$4,680	−MX$345,000	−MX$4,500	MX$1,352,200
Feb 13	MX$1,445,900	+MX$265,300	−MX$7,694	−MX$1,231	–	−MX$7,959	+MX$7,350	–	–	MX$1,608,400
Feb 12	MX$1,285,600	+MX$298,700	−MX$8,662	−MX$1,386	−MX$3,200	−MX$8,961	+MX$5,820	−MX$312,500	+MX$2,300	MX$1,445,900
Feb 11	MX$1,158,300	+MX$224,500	−MX$6,511	−MX$1,042	–	−MX$6,735	+MX$8,120	–	–	MX$1,285,600

Know where your money is, right now.

Three numbers tell you what's actually yours. Funds on the way to your bank are settled and heading to your account. Pending settlement is processed but not yet released by the acquirer. Your rolling reserve is revenue the acquirer holds back as cover against future chargebacks and refunds, released on a schedule — earned money you can't spend yet, and a line high-risk businesses watch closely. Every number is live and per-currency, so what you can actually move today is never a guess.

Why this matters

A real-time balance means treasury decisions happen in seconds, not after a day of reconciling exports.

On the way to your bank

MX$0

Settled — arriving in your account

Pending settlement

MX$0

Processed, awaiting acquirer

Rolling reserve

MX$0

6% held · releases after 180 days

See exactly when money lands in your bank.

Each settlement breaks down gross, fees, and refunds netted to a clear net deposit, with the expected date and status. Multi-acquirer payouts are unified in one ledger — drill into any settlement to see every transaction inside it.

Why this matters

Settlements reconcile to your bank statement line-by-line — every peso is traceable back to the transactions that produced it.

SettlementNet depositExpectedStatus

STL-4821

Cards

MX$497,420Feb 18settled

STL-4820

Cards

MX$380,280Feb 18settled

STL-4819

SPEI

MX$903,200Feb 19pending

STL-4818

Cards

MX$268,990Feb 19pending

STL-4817

Cards

MX$153,420Feb 20On hold

Settlement detail

STL-4821

Settled · Feb 18

GrossMX$512,300

Processing fees−MX$10,680

Refunds netted−MX$4,200

Chargebacks−MX$0

Net depositMX$497,420

Cards · 1,284 transactionsView transactions

Close your month in minutes.

Each month is consolidated into one document — volumes, fees, refunds, chargebacks, and net — ready to export. Hand it to accounting and you're done.

BalancesSettlementsStatements

PeriodJune 2026

Download PDFDepositsWithdrawals

CategoryAmount

Opening balance(01 Jun)MX$1,054,033.52

Payments+MX$7,436,947.83

Disputes−MX$321,687.00

Refunds–

Fees

Deposit rate fee−MX$54,046.82

Fixed deposit fee−MX$28,293.00

Fixed withdrawal fee−MX$12,080.00

Dispute fee−MX$60,860.00

Settlement fee−MX$4,500.00

VAT−MX$25,564.77

Total fees−MX$185,344.59

Reserve

90-day released reserve+MX$33,798.66

Reserve held−MX$42,001.02

Payouts

Settlements credited to withdrawals−MX$6,330,330.93

Paid to bank/card account−MX$929,482.34

Adjustments–

Closing balance(30 Jun)MX$715,934.13

Note on dashboard numbers

Dashboard numbers are aggregated for high-level comparison and may slightly vary from our exports. For reconciliation purposes, please use our exports.

Activity

Transaction count14,758

Withdrawal count1,510

Dispute count358

Refund count0

Finance operations that scale sublinearly.

As your volume grows, this workflow doesn't. The balance is still live, the daily summary still takes a minute, and month-end is still one document. That's reconciliation certainty at any scale.

Running Your Finances on Tonder

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Also managing risk?Read the RiskOps guide: Winning Disputes on Tonder