The short answer
- One deposit holds many payments. Authorize.Net batches captured payments every 24 hours, after a cut-off time you can set.
- The deposit is usually smaller than the sales. Authorize.Net says your merchant service provider deducts fees before depositing the rest, and refunds in the batch lower the total.
- NetSuite expects a deposit record. Payments sit in Undeposited Funds until you make a deposit that moves them to the bank account.
- Celigo's app automates the match. It turns settled Authorize.Net batches into NetSuite deposits and flags amounts that differ or payments it cannot find.
- CAD and USD reconcile apart. Each Authorize.Net account settles in one currency, so each currency has its own batches and bank account.
From invoice to bank deposit
Every card payment passes through the same chain. Reconciliation means tracing a bank deposit back up it.
- Invoice or sales order in NetSuite
- Payment recorded in Undeposited Funds
- Authorize.Net daily batch
- Processor deposit, net of fees and refunds
- Your Canadian bank account
- NetSuite deposit, matched to the bank line
Authorize.Net says that once a batch settles, its part is done. The processor sends the funds, fees are deducted, and the rest reaches your account. Authorize.Net says most merchants are funded within 2 to 3 business days of settlement. Its Transaction Reporting API lists each settled batch with its ID, settlement time and totals.
Why the numbers differ
| What you see | Why it happens | Where to look |
|---|---|---|
| One deposit, dozens of invoices | Authorize.Net batches a day of captured payments together | The batch ID on each settled transaction |
| A payment lands a day later than expected | It was captured after the cut-off time, so it joined the next batch | Authorize.Net's Transaction Cut-Off Time setting |
| Deposit is less than total sales | Fees taken from the deposit | Your merchant statement |
| Deposit is less again | Refunds in the same batch are netted against charges | The settlement report's debits and credits |
| Money taken back after the sale | A chargeback (a disputed sale reversed by the card issuer) and its fee | Your merchant statement and dispute notices |
| A payment with no NetSuite record | It was charged directly in Authorize.Net or by a web store | Authorize.Net's transaction search |
| USD sales missing from the CAD deposit | Each Authorize.Net account settles in one currency | The USD bank account and its own batches |
Ask how your fees are billed: deducted from deposits or billed separately. It changes how you match them. More on currencies is on our Authorize.Net page.
Three ways to reconcile
By hand in NetSuite
Customer payments post to Undeposited Funds. Under Make Deposits, you tick the payments in a batch, filter by date or payment processing profile, and add fees on the Cash Back subtab. Oracle's Match Bank Data page then sets imported bank lines beside NetSuite transactions so you can match and clear them.
Celigo's reconciliation app
Celigo's "Payout to Reconciliation Automation for NetSuite" pulls settled Authorize.Net batches and creates NetSuite deposits. Details and limits are below.
A custom connection
A developer reads settled batches and their transactions from Authorize.Net's reporting API and builds deposits your way. Our development team can scope a custom connection.
What Celigo's app does
What Celigo's own help article says. Test it on your data before you rely on it.
| Feature | What Celigo says |
|---|---|
| Source | Settled Authorize.Net batches, created as a payout record in NetSuite |
| Payments | Matched to a cash sale or customer deposit by the Authorize.Net transaction or source ID |
| Refunds | Matched to a cash refund or customer refund |
| Matching field | Invoice number by default, or a field you set, such as the transaction ID |
| Fees | Recorded as Cash Back or Other Deposit lines on the deposit |
| Chargeback fees | Recorded as Cash Back lines |
| Variances | "Amount Mismatch" or "Missing Transaction", posted to an account you choose |
| Deposit size | Up to 2,000 Authorize.Net transactions per deposit, then more deposits |
| Line limit | A NetSuite deposit can link at most 10,000 lines |
| Manual payouts | Not synced |
Celigo's article names cash sales and customer deposits as the records it matches. If customers pay invoices through customer payments, ask Celigo how those are matched. The app reconciles deposits. It does not charge cards from NetSuite, as our Authorize.Net and NetSuite page explains.
If you use NetSuite Pay instead
Oracle documents automated settlement reconciliation for NetSuite Pay, with a list of supported card and ACH scenarios. It also lists gaps. A non-sufficient funds fee is not cleared from Undeposited Funds, and a payment voided and recreated after reconciliation is not cleared either. NetSuite Pay needs a Versapay merchant account, so it is a different route. See the four routes.
Where CleverPays fits
Oracle owns NetSuite and its deposit tools. Authorize.Net runs the gateway and the daily batch. Celigo makes its reconciliation app. The processor settles the funds and sets the deposit. CleverPays does not make NetSuite or Celigo's app.
We can read your merchant statement with you and explain each deposit line: sales, refunds, fees and chargebacks. We can set up the Canadian merchant account behind Authorize.Net, in CAD and USD, so each currency settles to its own bank account. We can tell you how fees are billed on your account. If you need deposits built your own way, our development team can scope a custom connection. We stay your contact in English and French.
Sources
- Celigo: reconcile Authorize.net settlement transactions, updated 5 June 2026, read 7 October 2026
- Oracle NetSuite: making deposits, read 7 October 2026
- Oracle NetSuite: bank data matching and reconciliation, read 7 October 2026
- Oracle NetSuite: supported and unsupported scenarios with automated settlement reconciliation (NetSuite Pay), read 7 October 2026
- Authorize.Net: when transactions batch for settlement, read 7 October 2026
- Authorize.Net: Transaction Cut-Off Time, read 7 October 2026
- Authorize.Net: Transaction Reporting API, read 7 October 2026
- Authorize.Net: processors and currencies, read 7 October 2026
Product and company names on this page are trademarks of their respective owners. CleverPays is not affiliated with or endorsed by them.
