Effect Payment Reconciliation

The safety net under exactly-once: normalize records from your ledger and the processor's statement (each source's date and amount quirks absorbed in one transformation layer), match by transaction id, and classify every difference into an explicit bucket: matched, amount mismatch, missing internal, missing external. A transaction stamped 23:59:55 internally that the processor shows at 00:00:30 next day is held as pending_cutoff and carried to the next run instead of paging anyone at 1am; it resolves to a match when the counterpart arrives or escalates to a real discrepancy when it never does. One cent of drift is caught, never absorbed. Pinned to effect 4.0.0-beta.98.