Integration · Coming soon
Atome lets your customer pay in instalments while your business records the sale in full, and the merchant settlement follows its own schedule. SmartB holds both sides at once — the order as sold, and the money as it settles.
With Atome the customer pays in instalments and you have made the sale in full — but the money arrives on the gateway’s schedule, not the customer’s. Your order book says one thing, your bank says another, and the gap between them is neither an error nor a shortfall. Without something holding both sides together, deferred cash looks like missing cash, and finance spends the month explaining a difference that was always expected.
What SmartB does
SmartB records the order at its full value and treats the settlement as a separate event to be matched, so the timing difference is visible rather than mysterious.
A BNPL sale is not finished when the goods ship. SmartB keeps the order open against its settlements until the money side is closed out.
Because settlements are matched against orders, the amount sold but not yet settled is a number you can read off your own data instead of estimating.
A return partway through an instalment plan is where BNPL reconciliation usually breaks. Those reversals are matched to the original order like any other settlement event.
Instalment sales sit with card, wallet and online banking in one system, so a growing BNPL share shows up in your reporting rather than in a surprise.
Today you bring your Atome order and settlement data into SmartB and reconcile it against your sales, with margin, invoicing and reporting handled in one place. Automatic sync with Atome is on our roadmap, so settlement data arrives without a manual export.
Join the sync waitlistYes — bring your Atome order and settlement data in and reconcile, invoice and report in one place today. Direct automatic sync is coming soon.
The order is recorded at its full value when it is sold, and each merchant settlement is matched against it as it arrives — so the sale and the cash are both accurate without contradicting each other.
Yes. Because settlements are matched to orders, the unsettled balance comes straight from your own data rather than from an estimate on the side.
It is matched back to the original order as a settlement event, so the reversal shows in both cash and margin instead of drifting into an unexplained difference.
See how SmartB reconciles Atome settlements against the orders that earned them.
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