Banks and fintechs
Partner APIs priced by negotiation, reconciled by spreadsheet
Open banking and partner integrations are live and generating traffic. The commercial side is usually a rate card in a contract and a monthly export somebody reconciles by hand.
- Effective-dated pricing
- Tax per line
- Corrections by credit note
What is usually in the way
Pricing that lives in a contract
A rate agreed in a document is not a rate the platform can apply, so somebody translates it into a spreadsheet every month.
Disputes that cannot be settled
When a partner questions an invoice, the count comes from a log export nobody can reproduce, and the argument is about the method rather than the number.
Corrections that rewrite history
An adjusted invoice that overwrites the original leaves no trail, which is exactly what an auditor asks to see.
What Wanda does about it
Billing software is judged the first time a partner disputes a number. These are the properties that decide that conversation.
Settlement rails
Bank transfer first, with mobile money alongside, so collection follows how your partners already pay.
Balances and prepaid drawdown
A balance a partner tops up and draws down, alongside the postpaid model.
Dunning
A policy for unpaid statements, including whether and when a live key is suspended.
Pricing the platform applies
An effective-dated price book. A rate that changes on a date splits the line at that date rather than rewriting what came before it.
A figure that reproduces
Rating is a pure function over aggregates, so a disputed statement is recomputed rather than argued. The same inputs give the same number every time.
Tax that survives an audit
Rates held as exact rationals, effective-dated and scoped per tenant, with zero-rated and exempt legally distinguishable, rounded once per line on the net as invoiced.
Immutable statements
An issued statement cannot be edited, and the block is a database trigger rather than a rule someone can bypass. Corrections are credit notes.
Test traffic that never bills
Credentials carry their environment, so a sandbox key cannot satisfy a live rule and test usage never reaches a statement.
Money handled as money
Integer minor units throughout, rounded once per statement line, half to even. No floating point anywhere near a figure a customer sees.
Bring last month's partner invoice.
The useful test is whether Wanda reproduces a figure you already issued. If it does not, the difference will tell you something either way.