💳 PAYMENT OPERATIONS
Kepler Payment & FinTech Ops
Gateway Settlement Reconciler, MDR Creep & Trapped Payout Intelligence
⚡ Active Deterministic Rules (5 Core Engines)
W4/W5 ENGINE
Payment Gateway Settlement & MDR Reconciler
Cross-audits gross checkout orders against net bank UTR settlements and 18% GST tax heads.
Impact: 0.4% – 1.2% fee creep
W17 ENGINE
Zombie Recurring Subscription & Card Expiry Guard
Proactively alerts 30 days before card expiry to prevent silent subscriber involuntary churn.
Impact: 10% – 25% recurring LTV
W21 ENGINE
FX Markup & Cross-Border Fee Watchdog
Audits hidden dynamic currency conversion (DCC) markups and international acquiring spreads.
Impact: 2.5% – 4.0% FX spread
W28 ENGINE
Chargeback Dispute Evidence Auto-Packager
Aggregates courier proof of delivery (POD) and GPS coordinates into 1-click chargeback defense packs.
Impact: 100% order value + penalty
W29 ENGINE
B2B E-Invoice IRN & GST Reconciliation
Verifies 64-character Invoice Reference Numbers (IRN) to ensure full input tax credit (ITC) eligibility.
Impact: 18% ITC claim block