What is Wallet Ledger Reconciliation?

Wallet Ledger Reconciliation is the process of comparing wallet ledger entries with deposits, withdrawals, game rounds, bonuses, refunds, reversals, chargebacks, bank records, payment gateway records, and balances to identify matched entries, missing records, amount differences, duplicates, balance issues, and open items.

What files are required?

The main file is usually the wallet ledger report. Depending on the workflow, deposit reports, withdrawal reports, game round reports, bonus reports, refund reports, reversal reports, player balance files, bank statements, payment gateway files, ERP exports, or supporting data may also be used.

Can Cointab compare wallet balances?

Yes. Cointab can compare opening balance, wallet credits, wallet debits, refunds, reversals, adjustments, and closing balance for each player or wallet.

Can Cointab identify deposits not credited to wallets?

Yes. Cointab can compare successful deposits or payment gateway records with wallet credits to identify missing wallet credits.

Can Cointab identify withdrawals debited from wallets but not paid?

Yes. If withdrawal and bank or payout data is available, Cointab can identify wallet debits where payout completion is missing, failed, or unclear.

Can Cointab reconcile game round activity with wallet ledgers?

Yes. Game round stakes, winnings, cancelled rounds, voided rounds, refunds, and reversals can be compared with wallet ledger movements.

Can Cointab reconcile bonus wallet movements?

Yes. Bonus credits, promotional usage, locked balances, bonus wins, bonus debits, and bonus reversals can be included where the data is available.

Can Cointab identify duplicate wallet transactions?

Yes. Duplicate wallet credits, debits, deposits, withdrawals, game rounds, refunds, or adjustment entries can be flagged for review.

Can Cointab handle multiple wallet types?

Yes. Cash wallet, bonus wallet, locked wallet, withdrawable wallet, non-withdrawable wallet, and other wallet balance types can be reconciled if the data is available.

Can I reuse this reconciliation every day or month?

Yes. Once this template is selected and the workflow is used, the same setup can be reused for daily, weekly, monthly, or custom reconciliation periods.

Can this run automatically?

Yes. Once configured, Cointab can receive or pull required reports through email, SFTP, or APIs where available, run reconciliation automatically, and push output back to downstream systems.

What if my wallet ledger format is different?

Cointab validates uploaded files against the expected format. If the file format is different, users can correct the file, update the workflow, or create a custom reconciliation.

Can AI help with wallet ledger reconciliation?

Yes. AI can help match difficult open records, review messy references, analyze exceptions, create derived columns, and suggest possible reasons and next actions.

Can I manually match wallet ledger records?

Yes. Users can manually match records that the system and AI could not confidently match, and undo manual matches if needed.

Can I download the wallet ledger reconciliation report?

Yes. Users can download Excel reports with fully matched, partially matched, unmatched, skipped, and transaction-level details.

Popular reconciliation template

Wallet Ledger Reconciliation

Reconcile wallet ledger movements across deposits, withdrawals, game rounds, credits, debits, bonuses, refunds, reversals, adjustments, opening balances, closing balances, and open items in one structured workflow.

Upload the required wallet ledger, deposit, withdrawal, game round, bonus, refund, and balance reports, select the period, run reconciliation, and review fully matched, partially matched, unmatched, and skipped records.

Start this reconciliation Schedule guided setup

View demo report

Ready-made workflow · Reusable every period · Manual upload or automated data flow

Wallet Ledger

Deposit / Withdrawal Data

Game Round / Bonus Data

Refund / Reversal / Balance Data

Cointab Wallet Ledger Reconciliation

MatchedPartially MatchedUnmatchedSkipped

Reconcile wallet ledger movements and balances

Wallet ledgers record many types of player or user balance movements, including deposits, withdrawals, stakes, winnings, bonuses, refunds, reversals, chargebacks, manual adjustments, and closing balances. Cointab helps bring these records into a clear reconciliation report.

The Wallet Ledger Reconciliation template helps finance, operations, risk, and accounting teams compare wallet ledger entries with source reports such as deposits, withdrawals, game rounds, bonus files, refunds, reversals, bank records, payment gateway data, and accounting exports.

This helps teams answer questions such as:

Which wallet credits are backed by deposits, winnings, bonuses, refunds, or manual adjustments?
Which wallet debits are backed by withdrawals, stakes, losses, chargebacks, or reversals?
Which wallet entries do not have matching source records?
Which source transactions are missing from the wallet ledger?
Which wallet balances do not match expected opening balance, movement, and closing balance?
Which deposits were successful but not credited to wallets?
Which withdrawals debited wallets but were not paid from the bank?
Which game round stakes, winnings, bonuses, refunds, or reversals explain wallet movements?
Which items need wallet correction, payment review, bank review, game operations review, risk review, or accounting correction?

This template is useful for gaming platforms, real money gaming businesses, fantasy sports platforms, wallet-based apps, fintech platforms, payment operations teams, finance teams, risk teams, controllers, CFOs, and accounting firms that need a repeatable wallet ledger reconciliation process.

Required files for this template

Cointab's ready-made workflow is designed around common wallet ledgers, deposit reports, withdrawal reports, game round files, bonus reports, refund reports, reversal reports, player balance files, ERP exports, and supporting data.

Data source	Example records
Wallet Ledger Report	Used as the main wallet-side report containing wallet transaction IDs, player IDs, user IDs, wallet IDs, transaction types, credit amounts, debit amounts, opening balances, closing balances, timestamps, references, and transaction status.
Player Deposit / Wallet Top-up Report	Used to compare wallet credits with player deposits, payment gateway transactions, order IDs, payment IDs, deposit IDs, and deposit status.
Player Withdrawal / Payout Report	Used to compare wallet debits with withdrawal requests, payout IDs, bank debits, failed payouts, payout status, and reversal records.
Game Round Report	Optional, but useful where wallet debits and credits need to be connected with stakes, winnings, losses, cancelled rounds, void rounds, game IDs, session IDs, and provider references.
Bonus / Promotion Report	Optional, but useful where bonus credits, promotional credits, locked credits, bonus usage, free play, loyalty rewards, and bonus reversals need to be reconciled.
Refund / Reversal Report	Optional, but useful where refunds, failed refunds, duplicate payment reversals, game reversals, cancelled withdrawals, chargebacks, or wallet corrections need to be compared.
Player Balance Report	Optional, but useful where opening balances, closing balances, cash wallet balances, bonus balances, locked balances, withdrawable balances, and non-withdrawable balances need to be validated.
Payment Gateway Report	Optional, but useful where wallet deposits are received through payment gateways and need to be traced to gateway transaction status.
Bank Statement	Optional, but useful where wallet withdrawals, payouts, settlements, refunds, or bank movements need to be compared with wallet ledger activity.
ERP / Accounting Export	Optional, but useful if wallet liabilities, platform revenue, deposits, withdrawals, refunds, bonus costs, or accounting postings are maintained in an ERP, accounting system, internal finance system, or data warehouse.
Supporting Data	Optional supporting files can be used for player mapping, wallet mapping, payment reference mapping, game provider mapping, transaction type mapping, bonus mapping, bank account mapping, GL mapping, entity mapping, risk mapping, or other enrichment.

What Cointab matches in wallet ledger reconciliation

Cointab compares wallet ledger entries with deposits, withdrawals, game rounds, bonuses, refunds, reversals, chargebacks, balances, bank movements, payment gateway data, and optional accounting records.

Wallet credits

Match wallet credit entries with deposits, winnings, bonus credits, refunds, reversals, manual adjustments, or other credit source records.

Wallet debits

Match wallet debit entries with withdrawals, stakes, losses, chargebacks, fees, reversals, manual corrections, or other debit source records.

Deposits and wallet top-ups

Compare successful deposits and payment gateway transactions with wallet credit entries.

Withdrawals and payouts

Compare withdrawal requests, payout records, bank debits, failed payouts, and reversal entries with wallet debit and credit movements.

Game round movements

Match stakes, winnings, cancelled rounds, void rounds, refunds, and game reversals with wallet ledger activity.

Bonus movements

Compare bonus credits, bonus debits, promotional usage, locked balances, bonus winnings, and bonus reversals.

Refunds and reversals

Match refund, reversal, cancellation, failed payment, chargeback, recovery, and correction records with wallet entries.

Wallet balances

Compare opening balance, total credits, total debits, adjustments, and closing balance for each player or wallet.

Internal records, if added

If ERP, accounting, risk, payment gateway, bank, or game provider data is included, Cointab can connect wallet ledger records with wider finance and control workflows.

Common wallet ledger reconciliation exceptions

Cointab helps finance, operations, and risk teams focus on wallet differences instead of manually reviewing every credit, debit, deposit, withdrawal, stake, win, bonus, refund, and balance movement.

Wallet credit without source record

A wallet credit appears, but there is no matching deposit, winning, bonus, refund, reversal, or adjustment record.

Source credit not posted in wallet

A deposit, winning, bonus, refund, or approved adjustment exists, but the wallet credit is missing.

Wallet debit without source record

A wallet debit appears, but there is no matching withdrawal, stake, loss, chargeback, fee, reversal, or adjustment record.

Source debit not posted in wallet

A withdrawal, stake, chargeback, fee, or approved debit exists, but the wallet debit is missing.

Deposit credited incorrectly

A successful deposit is credited at the wrong amount, credited late, credited twice, or credited to the wrong wallet.

Withdrawal debited but not paid

A wallet is debited for withdrawal, but the bank payout is missing, failed, rejected, or pending.

Stake debit mismatch

Game round stake amount and wallet debit amount do not match.

Winning credit mismatch

Game round winning amount and wallet credit amount do not match.

Bonus mismatch

Bonus credit, bonus usage, promotional debit, locked balance, or bonus reversal does not match expected records.

Refund or reversal mismatch

A refund, reversal, failed payment, cancelled round, failed payout, or chargeback is recorded differently across wallet and source reports.

Duplicate wallet entry

The same wallet transaction, deposit, withdrawal, round, refund, bonus, or adjustment appears more than once.

Balance mismatch

Opening balance, wallet credits, wallet debits, adjustments, and closing balance do not agree.

Timing difference

A transaction belongs to one period in the source report but is posted in the wallet ledger in another period.

Wrong player or wallet allocation

A credit, debit, refund, withdrawal, bonus, or adjustment is mapped to the wrong player, user ID, wallet, entity, or business unit.

Missing or unclear reference

Player ID, wallet ID, wallet transaction ID, deposit ID, withdrawal ID, round ID, payment ID, UTR, or source reference is missing, incomplete, or inconsistent.

Skipped record

A row cannot be reconciled because required data is missing, invalid, duplicate, incomplete, or unusable.

How this ready-made reconciliation works

Cointab pre-configures the workflow so your team does not need to rebuild the wallet ledger reconciliation setup every period.

Select the template

Choose Wallet Ledger Reconciliation from popular reconciliations.

Select the period

Choose the day, week, month, quarter, year, lifetime period, or custom period you want to reconcile.

Upload wallet and source reports

Upload the wallet ledger report and any required deposit, withdrawal, game round, bonus, refund, reversal, balance, bank, payment gateway, ERP, or supporting files.

Validate file format

Cointab checks whether the uploaded files match the expected structure and highlights missing or incorrect columns.

Run reconciliation

Cointab applies predefined data preparation and matching logic for wallet ledger and source transaction data.

Review output

View fully matched, partially matched, unmatched, and skipped records.

Download or automate

Download the Excel report, or automate future data input and output through email, SFTP, or APIs.

Structured matching first, AI assistance for difficult cases

Cointab applies structured reconciliation logic first, then uses AI to help with difficult open records where fixed rules are not enough.

Structured matching

Structured matching can use:

Player IDUser IDWallet IDWallet transaction IDTransaction typeSource transaction IDDeposit IDWithdrawal IDPayout IDPayment IDOrder IDBank UTRRound IDGame IDSession IDProvider transaction IDBonus IDPromotion IDRefund IDReversal IDChargeback IDAdjustment IDTransaction statusWallet credit amountWallet debit amountDeposit amountWithdrawal amountStake amountWinning amountBonus amountRefund amountReversal amountChargeback amountAdjustment amountOpening balanceClosing balanceCash balanceBonus balanceLocked balanceWithdrawable balanceTransaction dateSource transaction datePosting dateSettlement dateDerived or cleaned identifiers

Matching scenarios

One-to-one
One wallet ledger entry matches one source transaction.
One-to-many
One wallet movement maps to multiple source records such as bonus split, fee split, refund split, settlement split, or adjustment records.
Many-to-one
Multiple wallet entries are grouped against one deposit, withdrawal, game round, payout, refund, or accounting entry.
Many-to-many
Multiple wallet ledger entries and multiple source records are grouped and compared together.
Partial matching
Identifiers match, but wallet amount, source amount, bonus amount, refund amount, withdrawal amount, or balance movement differs.
Status-level matching
Wallet transaction status, deposit status, withdrawal status, game round status, refund status, payout status, and settlement status are compared together.
Balance-level matching
Opening balance, wallet credits, wallet debits, reversals, adjustments, and closing balance are compared together.
Net and contra matching
Deposits, withdrawals, stakes, winnings, losses, bonuses, refunds, reversals, chargebacks, fees, manual corrections, and balance movements are netted where required.

AI-assisted transaction matching

After structured rules run, AI helps match difficult open transactions where:

References are incomplete
Wallet transaction IDs are missing or inconsistent
Source references appear inside long narration fields
Player IDs are formatted differently across systems
One wallet movement is split across multiple source records
One source record creates multiple wallet entries
Bonus and cash wallet movements are recorded separately
Refunds or reversals do not directly link to original transactions
Game provider records do not directly match internal wallet references
Amounts require contextual review
Multiple possible matches exist

AI exception analysis

For transactions that remain open, AI can help identify possible reasons such as:

Deposit not creditedWallet credited without depositWithdrawal not paidWallet debited without payoutStake debit mismatchWinning credit mismatchBonus mismatchRefund mismatchReversal mismatchChargeback adjustmentDuplicate wallet transactionWrong player allocationWrong wallet allocationPosting period differenceOpening balance issueClosing balance issueInternal system issueUnclear reference

AI assists matching and exception review, but Cointab keeps reconciliation transparent, reviewable, and audit-friendly.

Audit-ready wallet ledger reconciliation reports

Cointab gives your team a clear report showing which wallet ledger and source records matched, partially matched, remained unmatched, or were skipped.

Report categories

Fully matched
Wallet ledger and source records where identifiers, statuses, and amounts match.
Partially matched
Records where identifiers match but wallet amount, source amount, bonus amount, refund amount, reversal amount, or balance amount differs.
Unmatched in wallet ledger
Source records that do not clearly match wallet ledger entries.
Unmatched in source reports
Wallet ledger entries that do not clearly match deposit, withdrawal, game round, bonus, refund, reversal, bank, gateway, or ERP source records.
Deposit differences
Records where deposits, wallet top-ups, payment gateway transactions, or wallet credits require review.
Withdrawal differences
Records where withdrawal requests, wallet debits, bank payouts, failed payouts, or reversals require review.
Game round differences
Records where stakes, winnings, losses, cancelled rounds, voided rounds, or game reversals require review.
Bonus differences
Records where bonus credits, promotional usage, locked balances, bonus wins, or bonus reversals require review.
Refund and reversal differences
Records where refunds, chargebacks, reversals, failed payments, failed payouts, or corrections require review.
Balance differences
Records where opening balance, wallet movement, and closing balance do not agree.
Skipped
Records excluded due to missing, invalid, duplicate, incomplete, or unusable data.

Report capabilities

Summary cards
Transaction-level details
Player-level filters
Wallet-level filters
Transaction type filters
Status filters
Difference amounts
Matched transaction drill-down
Manual match
Undo manual match
Excel export
Audit-friendly output

Automate recurring wallet ledger reconciliation

Once this workflow is stable, Cointab can automate file input, reconciliation runs, and output delivery.

Bring data into Cointab

Data can be received or pulled through:

EmailSFTPAPI integrations, where available

Run automatically

Schedule reconciliation:

DailyWeeklyMonthlyEnd of dayAt month-end closeAfter wallet ledger exportAfter deposit file receiptAfter withdrawal file receiptAfter game round report receiptAfter all required files are availableAt a custom frequency

Push output back

Send reconciliation output to:

ERPAccounting systemInternal wallet systemPayment operations dashboardGame operations dashboardRisk or compliance dashboardBI dashboardInternal finance systemAnalytics databaseData warehouseInternal exception trackerWallet correction workflowPayment gateway follow-up workflowBank follow-up workflowAudit or compliance system

Matched wallet ledger records
Matched deposit records
Matched withdrawal records
Matched game round records
Matched bonus records
Unmatched wallet entries
Unmatched source records
Deposit credit differences
Withdrawal payout differences
Stake debit differences
Winning credit differences
Bonus differences
Refund and reversal differences
Chargeback differences
Wrong player allocation records
Wrong wallet allocation records
Balance differences
Timing differences
Open items
Suggested actions
Excel reconciliation report
Structured API output

View a wallet ledger reconciliation demo report

See how Cointab presents Wallet Ledger Reconciliation output with matched, partially matched, unmatched, and skipped records.

Wallet Ledger Reconciliation Demo

Explore a sample report showing wallet credits, wallet debits, deposits, withdrawals, stakes, winnings, bonuses, refunds, reversals, chargebacks, balance differences, and open items.

View demo report

Explore related gaming, wallet, and payment reconciliations

Cointab supports other wallet, deposit, withdrawal, game round, refund, bank, payment gateway, books, ERP, and finance reconciliation workflows.

Player Deposits vs Payment Gateway

Reconcile player deposit records with payment gateway reports across wallet top-ups, successful payments, failed deposits, refunds, and chargebacks.

View template

Player Wallet vs Game Rounds

Reconcile player wallet ledger movements with game round records across stakes, winnings, bonuses, refunds, and reversals.

View template

Player Withdrawals vs Bank

Reconcile player withdrawal records with bank debits, payout files, failed payouts, reversals, and open items.

View template

Refund and Reversal Reconciliation

Reconcile refunds, reversals, failed refunds, chargebacks, bank debits, customer ledgers, and accounting records.

View template

Payment Gateway Settlement vs Bank

Reconcile payment gateway settlements with bank statement credits.

View template

Bank Statement vs Books

Compare bank statement entries with accounting or books records.

View template

Built for finance teams reconciling wallet ledgers

This template is useful for teams that regularly reconcile wallet credits, wallet debits, deposits, withdrawals, game rounds, bonuses, refunds, reversals, chargebacks, balances, and open items.

Gaming platforms

For platforms reconciling wallet movements with player deposits, withdrawals, stakes, winnings, bonuses, refunds, and reversals.

Real money gaming businesses

For businesses that need controlled, audit-ready reconciliation of player wallet balances, player funds, gaming activity, deposits, and withdrawals.

Fantasy sports platforms

For teams reconciling contest entries, wallet debits, winnings, refunds, bonuses, cancelled contests, and player balance movements.

Wallet-based apps

For apps that maintain player or customer wallets and need to reconcile wallet movements with transaction source data.

Payment operations teams

For teams reviewing deposit credits, withdrawal debits, payment gateway transactions, failed payments, reversals, and payout issues.

Game operations teams

For teams reviewing stakes, winnings, cancelled rounds, voided rounds, bonus usage, and game-provider differences.

Risk and compliance teams

For teams reviewing wallet mismatches, suspicious balance movements, duplicate credits, chargebacks, and audit trails.

Finance teams

For teams preparing recurring wallet ledger reconciliation reports for daily review, month-end close, reporting, and audit.

Accounting teams

For teams reconciling wallet liabilities, platform revenue, deposits, withdrawals, refunds, bonus costs, and accounting postings.

Controllers

For controllers who need visibility into missing wallet entries, unexplained balance differences, duplicate transactions, and posting issues.

CFOs

For finance leaders who want stronger control over player funds, wallet liabilities, payment accuracy, accounting accuracy, and audit readiness.

Accounting firms

For CA, CPA, or outsourced accounting teams handling gaming, wallet, payment, and bank reconciliation for multiple clients.

Trusted by teams handling wallet ledger reconciliation

Cointab is used by finance and operations teams that reconcile high-volume, multi-source transaction data across wallets, player deposits, withdrawals, game rounds, payment gateways, banks, books, ERP systems, partner reports, and internal systems.

“We have worked on many softwares but we love the ease of using cointab. The staff and support is very instant. They are approachable, proficient and patient. Team is very cooperative with the customisations. The experience of using cointab was nice.”
— Urbanic

Wallet Ledger Reconciliation FAQs

Start Wallet Ledger Reconciliation

Use Cointab's ready-made wallet ledger reconciliation workflow to match credits, debits, deposits, withdrawals, game rounds, bonuses, refunds, reversals, balances, review exceptions, and export audit-ready reports.

Start this reconciliation Schedule guided setup

View demo report

Ready-made workflow · Reusable every period · Manual upload and automation supported

Wallet Ledger Reconciliation

View demo report

Ready-made workflow · Reusable every period · Manual upload or automated data flow

Data source

Example records

Wallet Ledger Report

Used as the main wallet-side report containing wallet transaction IDs, player IDs, user IDs, wallet IDs, transaction types, credit amounts, debit amounts, opening balances, closing balances, timestamps, references, and transaction status.

Player Deposit / Wallet Top-up Report

Used to compare wallet credits with player deposits, payment gateway transactions, order IDs, payment IDs, deposit IDs, and deposit status.

Player Withdrawal / Payout Report

Used to compare wallet debits with withdrawal requests, payout IDs, bank debits, failed payouts, payout status, and reversal records.

Game Round Report

Optional, but useful where wallet debits and credits need to be connected with stakes, winnings, losses, cancelled rounds, void rounds, game IDs, session IDs, and provider references.

Bonus / Promotion Report

Optional, but useful where bonus credits, promotional credits, locked credits, bonus usage, free play, loyalty rewards, and bonus reversals need to be reconciled.

Refund / Reversal Report

Optional, but useful where refunds, failed refunds, duplicate payment reversals, game reversals, cancelled withdrawals, chargebacks, or wallet corrections need to be compared.

Player Balance Report

Optional, but useful where opening balances, closing balances, cash wallet balances, bonus balances, locked balances, withdrawable balances, and non-withdrawable balances need to be validated.

Payment Gateway Report

Optional, but useful where wallet deposits are received through payment gateways and need to be traced to gateway transaction status.

Bank Statement

Optional, but useful where wallet withdrawals, payouts, settlements, refunds, or bank movements need to be compared with wallet ledger activity.

ERP / Accounting Export

Optional, but useful if wallet liabilities, platform revenue, deposits, withdrawals, refunds, bonus costs, or accounting postings are maintained in an ERP, accounting system, internal finance system, or data warehouse.

Supporting Data

Optional supporting files can be used for player mapping, wallet mapping, payment reference mapping, game provider mapping, transaction type mapping, bonus mapping, bank account mapping, GL mapping, entity mapping, risk mapping, or other enrichment.

Start Wallet Ledger Reconciliation

View demo report

Ready-made workflow · Reusable every period · Manual upload and automation supported