Most reconciliation pain is not “math,” it is mismatch: someone counted UPI in one bucket, card settlements in another, and cash last—then tried to merge them mentally at midnight.
Start from the customer-facing truth: what the receipt says should match what the register session expects. If those diverge, fix the process before you blame the software.
Separate “tender type” from “deposit timing.” Card money may arrive T+1; UPI may settle instantly. Your books should reflect both customer experience and bank reality.
BillDiary includes payment accounts, register workflows, and operational reports so owners can see movement without exporting everything to spreadsheets first.