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Multi-vendor settlement: a reference architecture.
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Multi-vendor settlement: a reference architecture.

What it takes to settle 200 vendors on a Monday — written down in proper detail.

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Ayşe YıldızLead Engineer, Settlement, Dines
28 February 2026 36 page PDF
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Settlement is the most boring part of any hospitality platform — and the part you can't get wrong. This paper documents the model we've evolved across four years of multi-vendor venues.

01 — The reconciliation modelTwo sources of truth, one ledger.

Card-acquirer messages and merchant-of-record receipts rarely agree on the first pass. Our reconciliation pipeline treats each transaction as having two sources of truth and a derived ledger entry.