Reconciliation Payout Mechanism

To save money on ACH transactions, we total all transactions and create a list of franchisees who must pay in and a list of franchisees who must be paid out for the month. 

The flow is then as follows:

1. For each franchisee who needs to pay into the "pool" (Franchisee From), we charge their bank account from the Franchise connected account. We wait until we receive webhooks informing us that ALL such transactions are successful, and then proceed with the list of franchisees who need to be paid (Franchisee To)
2. Once all funds are received (we wait for a charge to succeed on all of them), we need to get the money to the target bank account. This is done in two consecutive transactions, first a transfer from the Franchise connected account to our platform account, and immediately after,
3. A transfer to the receiving Franchisee connect account

1. The latter is set up as an auto payout account, and money is automatically transferred to the real bank account daily.