Hong Kong payment companies often reconcile across domestic HKD rails and cross-border partners. Fee lines that look correct in isolation accumulate residuals when rate cards and clearing files disagree by a few basis points.
Merchant payout reconciliation starts by pinning the expected fee schedule to each sample cycle, then comparing statement lines to clearing. Drift shows up as systematic under- or over-collection, not random noise.
Fix the schedule source of truth before you rebuild dashboards. Visualising the wrong fee model only accelerates the wrong payout.
If you expect a sponsor review this quarter, bring fee evidence organised by corridor — not a single blended percentage.