Settle - Payment Operations Dashboard

A dashboard for the team that closes the day: settlement, reconciliation, payouts and disputes. Money leaves a card network, sits with an acquirer, lands in a bank account, and has to be attributed to the right merchant — net of fees, refunds, chargebacks and reserve — before the books close. The gap between what the processor says was earned and what actually hit the bank is where money quietly disappears. Settle is the console that closes that gap. Eight screens: Overview with a live variance banner and the daily close pinned to the rail; Transactions with fee and settlement date on every row; Reconciliation with an acquirer-versus-bank variance bridge and a named exception queue; Payouts with schedule, rolling reserve and SWIFT/ACH state; Disputes as a deadline-ordered queue using real Visa (10.4, 13.1, 13.2, 13.6) and Mastercard (4837, 4853, 4841) reason codes; Merchants with risk band and MCC; Invoices for fees billed back; Settings for the policies every other screen runs on. Built on Next.js 16 App Router, TypeScript strict and Tailwind v4. Charts are hand-built SVG — no charting dependency, five runtime packages total. Amounts are integer minor units throughout, the way a real payments backend hands them to you. Every screen prerenders statically. One design system in app/globals.css and lib/tokens.ts: a twelve-class type scale carrying size, weight, leading and tracking together, an 8px spacing grid, a radii ladder with squircle corners, and text that clears WCAG AA on both grounds. Dark mode resolves before first paint. Swap lib/data.ts for your API and the screens are unchanged. MIT licensed — use it in commercial work, no attribution required.