The Merchant Account's Ledger Account Is the Processor Clearing Account

Context

Processor effects need a consistent waiting account between source payment accounting and bank transfer accounting.

Decision

Use the merchant’s existing ledger account for processor clearing and transfer the deposit to the bank account during operational posting.

Alternatives Considered

Add another merchant clearing-account field. Existing payment accounting already uses the merchant ledger account and would need coordinated changes.

Consequences

Configuration must distinguish processor clearing from bank cash to avoid cancelling the transfer on one account. Readiness compares posted clearing with outstanding effects. The recorded decision calls for a clearer configuration label; implementation of that label lies outside this screen scope.