Zerone ISV Product Microsoft Certified · D365 F&O

CCR — Credit Card Reconciliation

An automated credit card reconciliation solution developed by Zerone HiTech as a Microsoft certified ISV on Dynamics 365 Finance & Operations — eliminating manual effort, reducing errors, and providing full financial visibility and compliance.

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100%

Native D365 F&O Integration

Auto

Bank Statement Import

Certified ISV Solution

Real-time

Dashboards & Audit Trail

Overview

Why Manual Credit Card Reconciliation Is a Risk

Credit card reconciliation is a critical financial process that ensures transactions recorded in the ERP match actual card statements from banks and financial institutions. When done manually, it is time-consuming, error-prone, and leaves organisations exposed to fraud and compliance failures. CCR automates and streamlines this process end-to-end — directly within Microsoft Dynamics 365 F&O.

Correct Bookkeeping Verifies all credit card transactions are accurately posted to the General Ledger — essential for reliable financial reporting and budgeting.

Fraud Prevention Regular reconciliation catches unauthorised charges, duplicate transactions, and unusual spending patterns before they become losses.

Audit Trail Creates a clear, documented record of all credit card activity — essential for internal audits and demonstrating compliance with accounting standards.

Regulatory Compliance Ensures adherence to financial regulations and internal controls — with automated reporting for auditors and compliance teams.

Key Features

What CCR Does — Inside D365 F&O

CCR is built natively on Microsoft Dynamics 365 Finance & Operations — no middleware, no separate system. Every feature works within your existing D365 environment.

Automated Data Import

Direct integration with bank formats and card provider statements. Seamless upload of credit card transactions into D365 F&O — eliminating manual data entry entirely.

Flexible Reconciliation Rules

Configurable matching rules by amount, date, merchant, and reference number. Tolerance settings for minor differences such as currency exchange fees or rounding. Supports one-to-many and many-to-one reconciliation.

Exception Management

Automatic flagging of unmatched or suspicious transactions. Manual review workflows with full audit trails — so exceptions are resolved systematically, not lost in email chains.

Fraud Detection

Early detection of unauthorised transactions. Automated alerts for duplicate charges, unusual spending patterns, and policy violations — before they become financial losses.

Dashboards & Reporting

Real-time dashboards showing reconciled vs. unreconciled transactions. Detailed reconciliation reports for auditors and compliance teams. Improved cash flow visibility across all card accounts.

Complete Audit Trail

Every reconciliation action is logged — who did what, when, and why. A clear, documented record of all credit card activity ready for internal and external audits.

Benefits

What Your Finance Team Gains

CCR delivers measurable improvements across accuracy, speed, and compliance — freeing your finance team from repetitive manual work and giving management real-time financial visibility.

Accuracy

Eliminates human error in manual reconciliation — automated matching ensures every transaction is correctly posted and verified.

Efficiency

Saves significant time by automating repetitive reconciliation tasks — finance teams close faster with fewer resources.

Transparency

Full audit trails and detailed reporting give management and auditors complete visibility into every credit card transaction.

Fraud Protection

Identifies anomalies early — before unauthorised charges or duplicate payments become confirmed financial losses.

Compliance

Ensures adherence to financial regulations and internal controls — with automated reporting ready for auditors and compliance teams.

D365

Finance & Operations Native

Auto

Bank & Card Statement Import

Real-time

Fraud Detection & Alerts

Full

Audit Trail & Compliance

Common Questions

CCR — Frequently Asked Questions

Does CCR work with our existing D365 F&O setup?

Yes. CCR is built natively on Microsoft Dynamics 365 Finance & Operations as a certified ISV solution. It installs within your existing D365 F&O environment — no separate system or middleware is required. Your existing D365 data, security model, and workflows remain intact.

Which banks and card providers does CCR support?

CCR supports direct integration with standard bank statement formats and card provider statement files. It is configurable to work with multiple banks and card providers simultaneously — covering corporate cards, travel cards, and procurement cards across different financial institutions.

How does CCR handle transactions that don’t match automatically?

Unmatched transactions are automatically flagged and routed to a structured exception management workflow. Finance team members can review, investigate, and resolve exceptions — with every action logged in the audit trail. Tolerance settings can be configured to allow minor differences such as currency rounding or exchange fees without triggering exceptions.

Can CCR detect fraudulent transactions?

Yes. CCR automatically generates alerts for duplicate charges, transactions outside policy parameters, unusual spending patterns, and unauthorised merchant categories. Early detection allows finance teams to flag and report suspicious activity before it is confirmed as a financial loss.

Is CCR suitable for organisations with multiple entities or currencies?

Yes. CCR is designed for enterprise environments and supports multi-entity and multi-currency scenarios natively — consistent with D365 F&O’s core financial management capabilities. Reconciliation reports and dashboards can be filtered and consolidated across entities.

Ready to automate your credit card reconciliation?

Book a demo — our consultants will walk you through how CCR works within your D365 F&O environment and what implementation looks like for your organisation.

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For more information: info@zeronehitech.com