A founder once asked us which customer a payment from the previous day belonged to, and what exactly it had paid for. Answering meant digging through bank exports by hand, because the product had been built to take money and never to explain it. Checkout got the budget. Attribution and reconciliation were filed as a later problem, and later is where they got expensive. Now we ask one question before any payment flow ships: what should the finance person's morning look like? If you take payments today, someone answers that question for you, probably by hand.
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