# Payouts and reconciliation

> Match the deposits on your bank statement to the payouts Qualy sent you, see what was paid to partners and suppliers, and what is still open with each partner.

> **Note — For assistants**
>
> An assistant connected to the Qualy MCP server reads this guide as the resource `qualy://guides/payouts-and-reconciliation`. Generated from the Qualy MCP server’s guide registry.

A payout is money Qualy sends out: to your own bank account, to a partner or to a supplier. A payment comes in as a charge from the payer; what lands in your bank account is a payout to you. So match your bank statement against payouts, not charges. None of these tools creates, sends or retries a payout.

## 1. Match deposits into your own bank account

Call `payout_list` with `recipient` self and `status` paid, sorted by `paidAt`, from the `paidAt` of the last payout you already recorded (as `paidAtFrom`, as in the first example; leave it out the first time). Start there rather than from a fixed clock window, which a late or skipped run would leave a gap in. `paidAtFrom` is inclusive, so the last payout you recorded comes back again: skip what you already matched. Page with `hasMore` and `nextOffset` until you have them all.

Each payout to you is one credit on your bank statement. Match it on:

- the amount received: `fx.targetAmount` in `fx.targetCurrency` for a payout in another currency, otherwise `amount` in `currency`;
- `statementDescriptor`: the reference sent with the transfer.

Amounts are in major units (e.g. 99.99). Note the latest `paidAt` you matched: the next reconciliation starts from it.

## 2. Paid is not arrived

`paidAt` is when Qualy recorded the payout as paid, not when the bank received it, which depends on the payout and is not guaranteed. It is normally when Qualy sent it, but later when Qualy only confirmed it afterwards (a retry that finds it was already sent), so a deposit can appear before `paidAt`. A payout can be created and sent days after the payment it comes from (card payments wait for settlement; an agent's share can be re-routed later), so filter with `paidAtFrom` / `paidAtTo`, not `createdAtFrom` / `createdAtTo`.

## 3. One payout

`payout_get` adds the masked bank account, the FX quote, the partnership, why it failed or is paused (`failedReason`, `failureClass`, `pausedReason`) and `approval`: who approves it and whether you can now ([`qualy://guides/approvals`](/docs/mcp-server/guides/approvals.md)).

For a paid partner or supplier payout, `payout_remittance_advice` makes the remittance advice PDF, with a short-lived link. Payouts to your own bank account and unpaid ones have none.

## 4. Partners

- What was sent to a partner: `payout_list` with `recipient` partner and `partnership` (its id, code or name). Use `recipient` supplier for suppliers.
- What is still open with each partner: `reconciliation_summary`, per partnership and currency, over payment splits that are Pending, Due, Overdue or Pending review, belong to a payment and have a due date. `total` is what you send partners and `keep` what you keep, and the overdue part is aged from 0-7 to 90+ days. Use it rather than adding up pages of splits. A partner whose payments weren't paid to them directly appears only once something is overdue.
- It has no paid figures and no markup: `payment_split_stats` has those.

## Worked examples

### Deposits into your bank account since the last one you recorded

```json
{
  "tool": "payout_list",
  "arguments": {
    "recipient": "self",
    "status": "paid",
    "sort": "paidAt",
    "paidAtFrom": "2026-09-30T23:10:00+10:00"
  }
}
```

Match each on the amount received and statementDescriptor. The first one back is the last one you recorded.

### What was paid to one partner in September

```json
{
  "tool": "payout_list",
  "arguments": {
    "recipient": "partner",
    "partnership": "Sydney English College",
    "status": "paid",
    "paidAtFrom": "2026-09-01T00:00:00+10:00",
    "paidAtTo": "2026-09-30T23:59:59+10:00"
  }
}
```

count is the total; use hasMore to page.

### Why one payout has not gone out

```json
{
  "tool": "payout_get",
  "arguments": {
    "payoutId": "66f1d4c2e4b0a1b2c3d4e5f9"
  }
}
```

Read status with failedReason or pausedReason, and approval when it is waiting on approvers.

### What is still open with a partner

```json
{
  "tool": "reconciliation_summary",
  "arguments": {
    "partnership": "Sydney English College"
  }
}
```

Up to two rows per currency: one for payments paid to the partner directly, one for the rest. Add them for the partner's total. total is what you send them, keep what you keep.