Credit Card Reconciliation — Accurate, Timely, Compliant
Reconcile credit card transactions with bank and merchant statements to ensure accurate books, detect discrepancies, and support month-end close and VAT compliance for UAE businesses.
Overview
AL SAHRAA provides hands-on credit card reconciliation for businesses in Dubai, Ajman, and across the UAE. We match card transactions to merchant statements and accounting records to identify missing entries, incorrect postings, fees, and chargebacks. Our process reduces reconciliation time and helps ensure controls are in place for accurate financial reporting and VAT filings. We handle single-card accounts to multi-card corporate programs, coordinating with your accounting system or setting up reconciliation workflows in Zoho Books, QuickBooks, Xero, or Tally. Deliverables include a reconciled ledger, discrepancy reports, recommended journal entries, and supporting documentation organized for audit or management review. Services are scoped to your transaction volume and frequency—monthly, quarterly, or ad-hoc cleanup projects.
What to prepare
- Credit card merchant statements (CSV/PDF) for the reconciliation period
- Bank statements covering card settlements
- Export of card transactions from accounting system (CSV/Excel)
- Receipts or supplier invoices for disputed transactions
- Information on chargebacks and merchant fees
- Access or export of card processor settlement reports
- Company chart of accounts (if available)
How the process works
- Initial intake: collect card merchant statements, bank feeds, and accounting exports
- Import & map: upload transaction data into accounting software and map merchant codes
- Match & investigate: automatically and manually match transactions, investigate discrepancies and fees
- Adjust & post: prepare recommended journal entries and post agreed adjustments to the ledger
- Deliver report: provide reconciliation report, unreconciled items list, and recommendations for controls
Why clients choose AL SAHRAA
- Admin-reviewed quotations before you proceed.
- Document coordination and progress tracking in one portal.
- Support for business, compliance, visa, insurance, and IT-related requests.
- Clear request history, updates, and delivery follow-up.
Frequently asked questions
What periods do you reconcile?
We reconcile monthly, quarterly, or for custom date ranges; frequency is tailored to your transaction volume and reporting needs.
Can you work with our accounting software?
Yes—our team integrates with Zoho Books, QuickBooks, Xero, Tally, or we can work from exported CSV/Excel files and update your ledger as instructed.
How do you handle discrepancies or chargebacks?
We investigate unmatched transactions, identify root causes, classify chargebacks and fees, and provide recommended journal entries and documentation for follow-up with processors or vendors.
Do you support VAT reporting implications?
Yes—reconciled card transactions are coded with correct VAT treatment and provided in reports to support VAT returns and audits.
How long does a typical monthly reconciliation take?
Turnaround depends on transaction volume and data quality; most small-to-medium accounts are completed within 3–7 business days after receiving all documents.
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