Why might the payer and recipient records show different dates?¶

Each side can accurately record a different event: the payer may show instruction or debit, while the recipient shows receipt, availability or settlement.

The route creates delay and new records¶

Processing cycles, weekends, holidays, zones and intermediary or correspondent institutions can move receipt into another date. Merchants may settle in later batches, and wallets can update internal balances separately from linked banks.

Amounts can also differ through fees, currency conversion, partial payment or deductions.

Reconcile identifiers and event types¶

Preserve both records with references, times, status, amount, currency and provider. Use transaction IDs, authorisation codes, order or processor references to establish the link, and ask each provider what its date represents.

Label payer and recipient events separately, marking confirmed and inferred connections. Test ordinary processing before treating a date mismatch as fabrication or error.