{"id":29016,"date":"2026-01-27T12:00:02","date_gmt":"2026-01-27T04:00:02","guid":{"rendered":"https:\/\/paydibs.com\/?p=29016"},"modified":"2026-01-27T11:45:12","modified_gmt":"2026-01-27T03:45:12","slug":"auditors-on-payment-gateway-records","status":"publish","type":"post","link":"https:\/\/paydibs.com\/zh\/auditors-on-payment-gateway-records\/","title":{"rendered":"What Auditors Look for in Payment Gateway Records (Malaysia)"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"29016\" class=\"elementor elementor-29016\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d3eadb8 e-con-full e-flex e-con e-parent\" data-id=\"d3eadb8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c813d3d e-con-full e-flex e-con e-child\" data-id=\"c813d3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1b4beaf e-con-full e-flex e-con e-child\" data-id=\"1b4beaf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa24ee8 elementor-widget elementor-widget-image\" data-id=\"aa24ee8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/what-auditors-look-for-in-payment-gateway-records-malaysia.jpg\" class=\"attachment-full size-full wp-image-29017\" alt=\"Auditor checking on the payment gateway records\" srcset=\"https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/what-auditors-look-for-in-payment-gateway-records-malaysia.jpg 1920w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/what-auditors-look-for-in-payment-gateway-records-malaysia-300x169.jpg 300w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/what-auditors-look-for-in-payment-gateway-records-malaysia-1024x576.jpg 1024w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/what-auditors-look-for-in-payment-gateway-records-malaysia-768x432.jpg 768w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/what-auditors-look-for-in-payment-gateway-records-malaysia-1536x864.jpg 1536w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/what-auditors-look-for-in-payment-gateway-records-malaysia-18x10.jpg 18w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f8ec980 elementor-widget elementor-widget-text-editor\" data-id=\"7f8ec980\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em><b>Disclaimer: <\/b><span style=\"font-weight: 400;\">This content is for general informational purposes only and does not constitute legal, tax, accounting, or financial advice. Readers should consult qualified professionals for advice specific to their business circumstances.<\/span><\/em><\/p><p>For Malaysian Small and Medium Enterprise (SME)s, audits may occur for many reasons, including routine reviews, financing requirements, regulatory checks, or internal governance processes.<\/p><p>When audits involve financial records, <strong>payment gateway data is commonly reviewed<\/strong>. This is because transactions processed through a <span style=\"text-decoration: underline; color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/paydibs.com\/payment-app\/\"><strong>business <\/strong><span><strong>payment app<\/strong><\/span><\/a><\/span> are closely linked to revenue recognition, expense recording, tax treatment, and cash settlement.<\/p><p>This guide explains how payment gateway records are typically reviewed during audits, what auditors tend to examine first, which documents are commonly requested, and how SMEs can organise records to support a smoother review process.<\/p><h2><strong>Why Payment Gateway Records Matter During Audits<\/strong><\/h2><p>Payment gateway records are often examined because they provide an independent source of transaction data.<\/p><p>From an audit perspective, gateway records help support:<\/p><ul><li>Completeness of recorded revenue<\/li><li>Accuracy of recorded expenses<\/li><li>Correct treatment of Sales and Services Tax (SST) on service fees<\/li><li>Consistency between transaction activity and bank settlements<\/li><\/ul><p>Because payment gateways sit between customers and bank accounts, they are frequently used as a reference point to validate other financial records. They allow auditors to cross-check what customers paid, what fees were charged, and what funds were eventually settled into the bank.<\/p><p>This is why gateways are reviewed even when no issues are suspected.<\/p><p><img decoding=\"async\" class=\"alignnone size-full wp-image-29019\" src=\"https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/how-auditors-use-payment-gateway-records-e1769484248500.jpg\" alt=\"Diagram showing how auditors use payment gateway records to verify revenue, fees, SST treatment, and bank settlements for Malaysian SMEs.\" width=\"1667\" height=\"1080\" srcset=\"https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/how-auditors-use-payment-gateway-records-e1769484248500.jpg 1667w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/how-auditors-use-payment-gateway-records-e1769484248500-300x194.jpg 300w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/how-auditors-use-payment-gateway-records-e1769484248500-1024x663.jpg 1024w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/how-auditors-use-payment-gateway-records-e1769484248500-768x498.jpg 768w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/how-auditors-use-payment-gateway-records-e1769484248500-1536x995.jpg 1536w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/how-auditors-use-payment-gateway-records-e1769484248500-18x12.jpg 18w\" sizes=\"(max-width: 1667px) 100vw, 1667px\" \/><\/p><h2><strong>The Core Areas Auditors Commonly Review<\/strong><\/h2><p>Auditors usually start with high-level consistency checks before drilling deeper.<\/p><h3><strong>Revenue Completeness<\/strong><\/h3><p>Auditors typically assess whether <strong>transactions processed through the payment gateway are fully reflected in revenue records<\/strong>.<\/p><p>This may involve comparing:<\/p><ul><li>Gateway transaction summaries<\/li><li>Sales records or invoices<\/li><li>Reported revenue figures<\/li><\/ul><p>Differences are not uncommon, but unexplained gaps usually require clarification.<\/p><h3><strong>Fee Accuracy<\/strong><\/h3><p>Payment gateway fees are reviewed to determine whether they are:<\/p><ul><li>Recorded separately from revenue<\/li><li>Categorised consistently as expenses<\/li><li>Supported by gateway documentation<\/li><\/ul><h3><strong>SST Treatment<\/strong>\u00a0<\/h3><p>SST related to payment gateway service fees is another common review area.<\/p><p>Auditors may check whether:<\/p><ul><li>Where the gateway fee is a taxable financial service, SST is applied to the gateway\u2019s service fee (not the customer\u2019s transaction value).<\/li><li>SST on gateway fees is recorded correctly as part of the service cost.<\/li><li>Accounting entries for SST and service fees align with the gateway\u2019s statements.<\/li><\/ul><p>Under <a href=\"https:\/\/mysst.customs.gov.my\/assets\/document\/Industry%20Guides\/GI\/Guide%20On%20Financial%20Service%20%20-%20%20Version%202.pdf\" target=\"_blank\" rel=\"noopener\">RMCD\u2019s Guide on Financial Services (Service Tax 2018)<\/a>, most merchant-facing gateway charges are taxable fee-based financial services. However, certain switching or transaction fees between banks and payment gateways that are directly linked to current, savings or similar e-wallet accounts may fall under basic banking services and are excluded from service tax. Clarifications on these scenarios are discussed further in the section on <span style=\"text-decoration: underline; color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/paydibs.com\/sst-charge-on-payment-gateway-fees\/\">SST on payment gateway fees in Malaysia<\/a><\/span>.<\/p><h3><strong>Settlement Timing<\/strong><\/h3><p>Auditors also consider timing differences between:<\/p><ul><li>Transaction dates<\/li><li>Settlement dates<\/li><li>Accounting periods<\/li><\/ul><p>Differences are expected, particularly where settlements occur on a delayed basis. The focus is usually on whether these differences are understood and documented.<\/p><h2><strong>Documents Auditors Commonly Request<\/strong><\/h2><p>Audit queries often relate more to documentation availability than to calculation errors.<\/p><p>Commonly requested documents include:<\/p><h3><strong>Payment Gateway Statements<\/strong><\/h3><p>Statements showing transaction totals, fees, SST, refunds, and adjustments.<\/p><h3><strong>Settlement Reports<\/strong><\/h3><p>Reports detailing amounts settled to bank accounts and settlement timing.<\/p><h3><strong>Bank Statements<\/strong><\/h3><p>Used to confirm settlement amounts and reconcile cash movement.<\/p><h3><strong>Invoices and Refund Records<\/strong><\/h3><p>Used to support revenue recognition and reversal treatment.<\/p><p>Clear documentation generally helps reduce follow-up questions.<\/p><h2><strong>Patterns That May Lead to Additional Questions<\/strong><\/h2><p>Certain record-keeping practices tend to result in additional audit enquiries.<\/p><p>These may include:<\/p><ul><li>Recording only net settlement amounts as revenue<\/li><li>Inconsistent expense categorisation across periods<\/li><li>Missing or unclear SST breakdowns<\/li><li>Differences between gateway reports and bank statements without explanation<\/li><li>Manual adjustments without supporting notes<\/li><\/ul><p>These situations do not automatically indicate errors, but they often require clarification.<\/p><p><img decoding=\"async\" class=\"alignnone size-full wp-image-29020\" src=\"https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/common-audit-questions-triggered-by-gateway-records-e1769484609277.jpg\" alt=\"Infographic illustrating common payment gateway record issues that lead auditors to request additional clarification during SME audits in Malaysia.\" width=\"1693\" height=\"1080\" srcset=\"https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/common-audit-questions-triggered-by-gateway-records-e1769484609277.jpg 1693w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/common-audit-questions-triggered-by-gateway-records-e1769484609277-300x191.jpg 300w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/common-audit-questions-triggered-by-gateway-records-e1769484609277-1024x653.jpg 1024w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/common-audit-questions-triggered-by-gateway-records-e1769484609277-768x490.jpg 768w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/common-audit-questions-triggered-by-gateway-records-e1769484609277-1536x980.jpg 1536w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/01\/common-audit-questions-triggered-by-gateway-records-e1769484609277-18x12.jpg 18w\" sizes=\"(max-width: 1693px) 100vw, 1693px\" \/><\/p><h2><strong>How SMEs Can Organise Records Ahead of an Audit<\/strong><\/h2><p>From a practical standpoint, audit preparation focuses on organisation and consistency.<\/p><p>Common preparatory steps include:<\/p><ul><li>Retaining gateway statements for each reporting period<\/li><li>Recording gross revenue and gateway fees separately<\/li><li>Ensuring SST amounts can be identified<\/li><li>Reconciling gateway data with bank settlements<\/li><li>Documenting timing differences where applicable<\/li><li>Maintaining records for refunds and chargebacks<\/li><\/ul><h2><strong>How Payment Gateway Reporting Can Affect Audit Effort<\/strong><\/h2><p>While audits do not assess the commercial merits of a payment gateway, the <strong>format and clarity of gateway reports<\/strong> can influence the amount of time needed to review records.<\/p><p>Gateways that provide:<\/p><ul><li>Consistent reporting formats<\/li><li>Clear fee and SST breakdowns<\/li><li>Exportable transaction data<\/li><\/ul><p>can make reconciliation and review more straightforward.<\/p><p>For this reason, record-keeping considerations are often part of discussions around <span style=\"text-decoration: underline; color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/paydibs.com\/guide-to-choose-online-payment-gateway\/\"><strong>choosing the right payment gateway in Malaysia<\/strong><\/a><\/span>, alongside operational and cost factors.<\/p><h2><strong>Conclusion for SME Owners<\/strong><\/h2><p>Audit reviews of payment gateway records are generally focused on consistency, traceability, and documentation.<\/p><p>For Malaysian SMEs, maintaining clear records that separate revenue, fees, taxes, and settlements helps support smoother audit discussions and reduces the need for repeated clarification.<\/p><p>Where reporting, documentation, and reconciliation processes are clearly defined, audits tend to focus on verification rather than investigation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05ee387 elementor-widget elementor-widget-text-editor\" data-id=\"05ee387\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>FAQs About What Auditors Review in Payment Gateway Records<\/strong><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62a16f5 elementor-widget elementor-widget-n-accordion\" data-id=\"62a16f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1030\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1030\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Why do auditors review payment gateway records during audits? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1030\" class=\"elementor-element elementor-element-9d83bfb e-con-full e-flex e-con e-child\" data-id=\"9d83bfb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb90a6f elementor-widget elementor-widget-text-editor\" data-id=\"fb90a6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Auditors review payment gateway records because they provide an independent transaction trail that supports revenue completeness, expense accuracy, tax treatment, and cash settlement verification.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1031\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1031\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Do auditors check payment gateway records even if there are no issues? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1031\" class=\"elementor-element elementor-element-771d471 e-con-full e-flex e-con e-child\" data-id=\"771d471\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1031\" class=\"elementor-element elementor-element-2106c99 e-con-full e-flex e-con e-child\" data-id=\"2106c99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8de0459 elementor-widget elementor-widget-text-editor\" data-id=\"8de0459\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Payment gateway records are commonly reviewed as part of routine audit procedures, especially when they are a primary source of customer payments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1032\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1032\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What payment gateway information do auditors focus on first? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1032\" class=\"elementor-element elementor-element-3c072bb e-flex e-con-boxed e-con e-child\" data-id=\"3c072bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d05ef63 elementor-widget elementor-widget-text-editor\" data-id=\"d05ef63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Auditors typically focus on transaction totals, fee accuracy, SST treatment on service fees, and whether settlement amounts reconcile with bank records.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1033\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1033\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Are net settlement figures acceptable for audit purposes? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1033\" class=\"elementor-element elementor-element-e364de1 e-con-full e-flex e-con e-child\" data-id=\"e364de1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77b2994 elementor-widget elementor-widget-text-editor\" data-id=\"77b2994\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Net settlement figures alone are usually insufficient. Auditors generally expect to see gross transaction values and separate records for fees and taxes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1034\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1034\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How far back do auditors usually request payment gateway records? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1034\" class=\"elementor-element elementor-element-0f6c0cc e-flex e-con-boxed e-con e-child\" data-id=\"0f6c0cc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6716794 elementor-widget elementor-widget-text-editor\" data-id=\"6716794\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This depends on the audit scope, but auditors often request records covering the current financial year and may ask for prior periods if inconsistencies are identified.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1035\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1035\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Can poor payment gateway records delay an audit? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1035\" class=\"elementor-element elementor-element-f987a13 e-flex e-con-boxed e-con e-child\" data-id=\"f987a13\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4138402 elementor-widget elementor-widget-text-editor\" data-id=\"4138402\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Missing statements, unclear fee breakdowns, or unreconciled differences can extend audit timelines while additional explanations or documents are requested.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Why do auditors review payment gateway records during audits?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Auditors review payment gateway records because they provide an independent transaction trail that supports revenue completeness, expense accuracy, tax treatment, and cash settlement verification.\"}},{\"@type\":\"Question\",\"name\":\"Do auditors check payment gateway records even if there are no issues?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Payment gateway records are commonly reviewed as part of routine audit procedures, especially when they are a primary source of customer payments.\"}},{\"@type\":\"Question\",\"name\":\"What payment gateway information do auditors focus on first?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Auditors typically focus on transaction totals, fee accuracy, SST treatment on service fees, and whether settlement amounts reconcile with bank records.\"}},{\"@type\":\"Question\",\"name\":\"Are net settlement figures acceptable for audit purposes?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Net settlement figures alone are usually insufficient. Auditors generally expect to see gross transaction values and separate records for fees and taxes.\"}},{\"@type\":\"Question\",\"name\":\"How far back do auditors usually request payment gateway records?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This depends on the audit scope, but auditors often request records covering the current financial year and may ask for prior periods if inconsistencies are identified.\"}},{\"@type\":\"Question\",\"name\":\"Can poor payment gateway records delay an audit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Missing statements, unclear fee breakdowns, or unreconciled differences can extend audit timelines while additional explanations or documents are requested.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9f6700 elementor-widget elementor-widget-text-editor\" data-id=\"b9f6700\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Share:<div class=\"addtoany_shortcode\"><div class=\"a2a_kit a2a_kit_size_32 addtoany_list\" data-a2a-url=\"https:\/\/paydibs.com\/zh\/auditors-on-payment-gateway-records\/\" data-a2a-title=\"What Auditors Look for in Payment Gateway Records (Malaysia)\"><a class=\"a2a_button_facebook\" href=\"https:\/\/www.addtoany.com\/add_to\/facebook?linkurl=https%3A%2F%2Fpaydibs.com%2Fzh%2Fauditors-on-payment-gateway-records%2F&amp;linkname=What%20Auditors%20Look%20for%20in%20Payment%20Gateway%20Records%20%28Malaysia%29\" title=\"Facebook\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><a class=\"a2a_button_x\" href=\"https:\/\/www.addtoany.com\/add_to\/x?linkurl=https%3A%2F%2Fpaydibs.com%2Fzh%2Fauditors-on-payment-gateway-records%2F&amp;linkname=What%20Auditors%20Look%20for%20in%20Payment%20Gateway%20Records%20%28Malaysia%29\" title=\"X\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><a class=\"a2a_button_linkedin\" href=\"https:\/\/www.addtoany.com\/add_to\/linkedin?linkurl=https%3A%2F%2Fpaydibs.com%2Fzh%2Fauditors-on-payment-gateway-records%2F&amp;linkname=What%20Auditors%20Look%20for%20in%20Payment%20Gateway%20Records%20%28Malaysia%29\" title=\"LinkedIn\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><\/div><\/div><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b669b4d e-con-full e-flex e-con e-child\" data-id=\"b669b4d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-87a6368 e-con-full e-flex e-con e-child\" data-id=\"87a6368\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c0dddc elementor-widget elementor-widget-sidebar\" data-id=\"7c0dddc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sidebar.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"block-3\" class=\"widget blog-sidebar widget-2 widget_block\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Recent Posts<\/h2>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/what-is-msic-code\/\">MSIC Code: What It Is &#038; How To Find Yours (2026)<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/fuel-price-malaysia-business-impact\/\">Fuel Price Malaysia 2026: Updates &#038; Business Impact<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/tin-mismatch-business-payments\/\">Why a Single TIN Mismatch Could Halt Your Business Payments<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/online-store-bnpl-vs-credit-card\/\">BNPL vs. Credit Card: Why Online Store Needs Both Options<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/paydibs.com\/zh\/paydibs-partners-with-great-eastern-general-insurance-to-introduce-embedded-business-protection-solution-for-msmes\/\">Paydibs Partners with Great Eastern General Insurance to Introduce Embedded Business Protection Solution for MSMEs<\/a><\/li>\n<\/ul><\/div><\/div>\n<\/div><div id=\"block-6\" class=\"widget blog-sidebar widget-2 widget_block\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\">Categories<\/h2>\n\n\n<ul class=\"wp-block-categories-list wp-block-categories\">\t<li class=\"cat-item cat-item-158\"><a href=\"https:\/\/paydibs.com\/zh\/category\/media\/\">Media<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-37\"><a href=\"https:\/\/paydibs.com\/zh\/category\/news\/\">News<\/a>\n<\/li>\n\t<li class=\"cat-item cat-item-157\"><a href=\"https:\/\/paydibs.com\/zh\/category\/payments-fintech\/\">Payments &amp; Fintech<\/a>\n<\/li>\n<\/ul><\/div><\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Payment gateway records are commonly reviewed during audits. 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