Settlement breaks that look like fraud
A missing fee line and a late presentment can mimic chargeback loss. Audit the batch before you escalate risk.
Cloud Dynamic
Card processing audits that follow the money.
We examine how fintech merchants authorise, settle, dispute, and evidence card flows — then leave owners with a remediation path they can run.
Primary engagement
Card processing control audit
Most control gaps hide between the gateway success screen and the bank deposit. We sample real transactions across authorisation, capture, settlement, and ledger posting — then rank findings by cash and compliance impact.
Typical duration 3–4 weeks. Informational pricing From HK$68,000.
Also available
Related audit offers
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Settlement reconciliation review
Prove that processor batches, bank deposits, and your ledger agree — and isolate breaks before month-end closes harden them.
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Chargeback pathway audit
Audit representment evidence, reason-code handling, and merchant response SLAs so disputes stop leaking margin.
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Acquiring compliance readiness
Prepare for acquirer or scheme questionnaires with evidence mapped to the controls they actually ask about.
Evidence
What merchants say after closeout
“Cloud Dynamic traced a settlement shortfall to a dual-currency fee map we had ignored for two quarters. Finance closed the month with a clear fix list.”
“Their chargeback pathway audit cut the noise in our evidence packs. Win rate moved because reviewers finally saw the decisive page first.”
“The acquiring readiness binder saved us from rewriting the same questionnaire answers under deadline pressure.”
Field notes
Writing from recent card audits
Evidence packs acquirers actually read
Scheme rules are long. Reviewers still decide in minutes. Structure your representment so the decisive page is first.
When gateways and ledgers disagree
Authorisation success in the gateway is not revenue. Audit the handoff where finance and product use different truths.