AP use case · Order-to-cash

A refund is instant.
The return takes three weeks.

Money leaves the moment a customer clicks return; the product wanders back through 3PLs, FCs and RTV cycles - or doesn't. Finnoto reconciles refunds ↔ returns ↔ restocks so you know exactly what came back, in what condition, and what to claim for.

Returns console

Refund ↔ return ↔ restock,
every unit accounted.

Returns · Nov cycle Live
2,140
Refunds issued this month
2,061
Returns received & graded
79
Refunded, never returned - claims filed
ReturnRefundReceivedStatus
RET-88410₹1,249Day 6 · sellableRestocked · closed
RET-88422₹2,899Day 9 · damaged! Damage claim filed
RET-88431₹1,899Not received · day 21✕ Reimbursement claim · marketplace
RTV batch · FC-BLR1
RTV manifest 214 units vs received 209 - 5-unit shortage claimed; grading: 182 sellable, 27 damage-claim eligible.
Return-rate watch
SKU B-204 return rate 2.4× category average - flagged to category team with reason codes.
every refund linked to a return event · 21-day non-receipt auto-claims · grading drives restock vs claim

Illustrative product behaviour - values shown are examples.

Why it's hard today

Returns are where inventory
and cash both go missing.

Refund files, return manifests, RTV batches and warehouse grading live in four different systems - reconciled, if at all, by sampling.

Refunded ≠ returned

A meaningful slice of refunds never produce a returned unit. Without item-level linkage, that's pure loss dressed up as a return rate.

RTV shrinkage

Return-to-vendor batches leave the FC with one count and arrive with another. Unmanifested, ungraded, unclaimed - shrinkage compounds silently.

Condition decides value

A sellable return, a repackable one and a write-off are three different financial outcomes - but only if grading is captured and drives the next step.

The Finnoto difference: refund, return, RTV and grading events chain to the original order - so marketplace reimbursement claims file themselves with the evidence attached.
How Finnoto runs it

From refund click
to closed unit.

1
Link refund to return
Every refund event tied to its return initiation, courier journey and receipt - per unit, per order.
2
Verify RTV batches
Manifests matched to received counts; shortages claimed against the carrier or FC.
3
Grade & route
Sellable to restock, damaged to claims, expired to write-off - each with its financial entry.
4
Claim the never-returned
Past the return window with no receipt? Reimbursement claims filed automatically with the timeline as evidence.
FAQ

Frequently asked questions

Does this work for marketplace and D2C returns?

Yes - marketplace return flows (including FBA-style reimbursements), D2C returns via 3PLs and courier RTOs all reconcile in the same unit-level chain.

What triggers a reimbursement claim?

Configurable rules - typically refund issued + no return receipt within the channel's window. Claims file with the refund record, tracking history and manifest gaps attached.

Can grading data come from our WMS?

Yes - grading feeds from your WMS or 3PL flow in, and each grade maps to a financial action: restock, damage claim, vendor RTV or write-off with approval.

Make every refund earn its return.

Unit-level truth from refund click to restock - or a claim.

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