{"id":4846,"date":"2025-12-22T03:36:28","date_gmt":"2025-12-22T08:36:28","guid":{"rendered":"https:\/\/www.wise.live\/blog\/?p=4846"},"modified":"2025-12-22T03:44:06","modified_gmt":"2025-12-22T08:44:06","slug":"monthly-reconciliation-for-tutoring-agencies","status":"publish","type":"post","link":"https:\/\/www.wise.live\/blog\/monthly-reconciliation-for-tutoring-agencies\/","title":{"rendered":"Monthly Reconciliation for Tutoring Agencies: How to Audit Split Payments and Catch Errors"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Every tutoring agency, at some point in its journey, faces the dilemma of juggling several aspects, including student bookings, tutor sessions, payout splits, commissions, refunds, gateway fees, and tax reporting. When money flows in different directions simultaneously, a single error can ripple through your finances.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is where monthly reconciliation can feel like your financial safety net. When starting your tutoring agency, if you prioritize operational control, it is important to reconcile your split payments each month to ensure smooth operations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This guide provides a highly actionable, step-by-step system for auditing split payments, detecting errors early, and keeping both your tutors and your accountant happy.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Why Monthly Reconciliation Matters More Than Ever?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Automated split payments are the backbone of a successful tutoring agency. Especially when you use tutoring or tutor management software, your financial ecosystem has many touchpoints. Reconciliation is how you ensure that all those touchpoints communicate properly with each other.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Why reconciliation is needed every month:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prevents tutor underpayments or overpayments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Detects duplicated charges or missing commission<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ensures GST\/VAT filings are accurate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protects business profitability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Builds tutor trust with transparent payouts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keeps your agency audit-ready<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Helps you scale confidently when you <\/span><a href=\"https:\/\/www.wise.live\/blog\/how-to-expand-your-tutoring-business\/\"><span style=\"font-weight: 400;\">expand your tutoring business<\/span><\/a><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><b>Blueprint for Step-by-Step Monthly Reconciliation\u00a0<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Confusing logs and scattered spreadsheets can become a burden for a tutoring agency. Tutoring agencies can use a refined workflow, making the whole process much smoother and more efficient.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is the step-by-step process that you can follow for monthly reconciliation:<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Step 1: Start With a Complete Data Pull<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">For accurate reconciliation, it is necessary to pull the complete data. Gather everything, no assumptions, no shortcuts.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is the data that you must download or export:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Student payment logs from your <\/span><a href=\"https:\/\/www.wise.live\/\"><span style=\"font-weight: 400;\">tutoring software<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tutor payout reports\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Commission summaries<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank settlement statements<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refund and chargeback logs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax\/GST\/VAT summaries<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Session data from your <\/span><a href=\"https:\/\/www.wise.live\/tutor-scheduling-software\/\"><span style=\"font-weight: 400;\">tutor scheduling software<\/span><\/a><\/li>\n<\/ul>\n<p><b>Pro-tip:<\/b><span style=\"font-weight: 400;\"> Always export in CSV or Excel for easy comparison<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Step 2: Set Up a Clean, Accountant-Friendly Reconciliation Sheet<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A spreadsheet can neatly record all the information. You can opt to create more than just one tab to organize everything. It is wise to include different tabs, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Transactions Master: Every student&#8217;s payment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tutor Earnings: Earnings before payouts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Agency Commission: For every session<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Adjustments: Refunds, cancellations, bonuses<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank Match: What hit your bank<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Exceptions: Discrepancies needing investigation<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Step 3: Match Student Payments With Actual Transactions<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Your first major checkpoint needs to be &#8211; what the student paid vs. what your system recorded. If your tutoring software integrates with your gateway, this step is easier, but it is still best to never skip it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some of the things that you need to check:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payments captured but not logged in the software<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sessions logged, but payment is missing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wrong discounting<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Duplicate charges<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Price mismatches due to outdated session rates<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Step 4: Audit All Split Payment Breakdown<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Split payments are very simple and convenient until they are not. One wrong percentage can lead to a mistaken interpretation of your whole month&#8217;s numbers. In fact, incorrect splits can lead to payout disputes. It is necessary to verify things like:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tutor rate matches contract details<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The commission percentage is right<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Session duration is correct<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">GST\/VAT is correctly applied<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bonuses and penalties are mapped correctly<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Step 5: Detailed Verification Tutor Payouts Detail<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Tutor payout accuracy is very important for correct reconciliation. Happy tutors mean stable operations. The review process can become even faster and more accurate if you use tutor management software.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Make sure to review:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Every completed session is included<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancelled-but-payable sessions accounted for<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refunds deducted properly<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Extra sessions not missed<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tutor bank details and payout dates are correct<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Negative balances handled correctly<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Step 6: Reconcile Commission Earnings<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">As a tutoring agency, commission is your primary source of revenue. Even small errors here affect profitability. A slight percentage mismatch may look small, but across hundreds of sessions it snowballs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are the things that you need to look for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Commission calculated BEFORE vs. AFTER discounts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Demo\/free sessions accidentally earning commission<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inconsistent percentages<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Manual overrides not logged<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Step 7: Match Settlement Data With Bank Statements<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">This step will ensure that your software reality matches your cash in hand. There are several aspects that you must confirm, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Daily settlements match gateway reports<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No delayed settlements<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gateway fee deductions are accurate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payout charges recorded<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total student payments reconcile with bank inflows<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Step 8: Verify Refunds, Chargebacks &amp; Adjustments<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Refunds often slip through reconciliation unnoticed, which can be quite dangerous for accuracy. Refund mismatches can create hidden revenue leakage. It is therefore necessary to check the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refund is deducted from the commission<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tutor payout adjusted<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refund is reflected in the bank statement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chargeback fees included<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Credit notes are issued if needed<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Step 9: Create an Exceptions Log (Your Financial &#8220;To-Do&#8221; List)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Every mismatch found must be documented to prevent recurring errors. To avoid the mismatch, ensure to track:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Type of discrepancy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Amount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Affected tutor\/student<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reason<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Who must fix it<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Status<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>Step 10: Prepare a Complete Monthly Finance Report<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Your final step is to have a clean, readable summary of the entire month. This is quite helpful for managers and investors, especially if you plan to expand your tutoring business.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It is best to include the following in the summary:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total revenue<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Commission earned<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tutor payout totals<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Refunds + adjustments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Settlement summary<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">GST\/VAT collected<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Outstanding issues\/exceptions<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><b>Common Errors that You Must Look for in the Monthly Reconciliation<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Even when a tutoring agency is organised, it can still run into financial inconsistencies. It mostly happens when the reconciliation process isn&#8217;t closely monitored.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Identifying the common errors early not only protects your revenue but also strengthens trust with tutors and ensures your tutoring software, tutor management software, and accounting tools stay perfectly aligned.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are the common errors that every tutoring agency needs to look out for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Incorrect tutor rates applied due to outdated or misconfigured settings.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sessions marked completed even when the tutor or student didn&#8217;t attend.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Duplicate student charges or duplicate tutor payouts from system glitches.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wrong discounts are being applied, affecting the commission and revenue split.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tutor bonuses or penalties are missing from the final payout sheet.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">GST\/VAT is being calculated on the incorrect amount or is inconsistently applied.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Manual overrides were made without documentation or approval notes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Negative tutor balances left unresolved month after month.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment captured by the gateway but not reflected in the software transaction log.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Settlement amounts in the bank do not match the gateway payout breakdowns.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><b>High-Alert Red Flags You Must Investigate ASAP<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Some issues are small, while others can be financial time bombs. Here are some of the major red flags:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sudden spike in refunds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tutors are consistently underpaid or overpaid<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Frequent negative balances<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Settlement delays from the gateway<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Commission unusually low<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Sessions are missing in the system<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Large discrepancy between system revenue vs. bank inflows<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><b>Conclusions<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Monthly reconciliation is a stability strategy for tutoring agencies. You can eliminate uncertainty and build a predictable, scalable business foundation by integrating your accounting system with <\/span><a href=\"https:\/\/www.wise.live\/1-on-1-personalized-courses\/\"><span style=\"font-weight: 400;\">tutoring management software<\/span><\/a><span style=\"font-weight: 400;\">. A lean, reliable reconciliation process ensures that the money always tells the truth.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><b>Frequently Asked Questions<\/b><\/h2>\n<p>&nbsp;<\/p>\n<h4><b>What is monthly reconciliation in a tutoring agency?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Monthly reconciliation is the process of comparing all student payments, tutor payouts, commission calculations, refunds, and bank settlements to ensure everything aligns accurately. It keeps your financial system clean, especially if your agency uses automated tutoring software or split payment tools.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><b>Why is reconciliation necessary when using split payments?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Split payments involve multiple aspects like automated transfers, student fee, tutor share, and agency commission, which increases the risk of mismatches. Monthly reconciliation checks every step of the way to catch discrepancies early and protect your revenue.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><b>How often should tutoring agencies reconcile their finances?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">A full monthly reconciliation is necessary, but weekly mini-checks help catch mistakes faster. The balanced approach helps in reducing month-end stress and also helps in keeping tutor payouts accurate.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><b>Why do tutor payout discrepancies occur?<\/b><\/h4>\n<p><span style=\"font-weight: 400;\">Discrepancies have the tendency to arise from faulty tutor rates, session logs being missing, manual adjustments without proper notes, refunds not properly linked to payouts, or a mismatch in session duration.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every tutoring agency, at some point in its journey, faces the dilemma of juggling several aspects, including student bookings, tutor sessions, payout splits, commissions, refunds, gateway fees, and tax reporting. When money flows in different directions simultaneously, a single error can ripple through your finances. It is where monthly reconciliation can feel like your financial &#8230; <a title=\"Monthly Reconciliation for Tutoring Agencies: How to Audit Split Payments and Catch Errors\" class=\"read-more\" href=\"https:\/\/www.wise.live\/blog\/monthly-reconciliation-for-tutoring-agencies\/\" aria-label=\"More on Monthly Reconciliation for Tutoring Agencies: How to Audit Split Payments and Catch Errors\">Read more<\/a><\/p>\n","protected":false},"author":5,"featured_media":4847,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[71,69],"tags":[],"class_list":["post-4846","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-building-an-institute","category-guides-for-teachers"],"_links":{"self":[{"href":"https:\/\/www.wise.live\/blog\/wp-json\/wp\/v2\/posts\/4846"}],"collection":[{"href":"https:\/\/www.wise.live\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.wise.live\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.wise.live\/blog\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wise.live\/blog\/wp-json\/wp\/v2\/comments?post=4846"}],"version-history":[{"count":1,"href":"https:\/\/www.wise.live\/blog\/wp-json\/wp\/v2\/posts\/4846\/revisions"}],"predecessor-version":[{"id":4848,"href":"https:\/\/www.wise.live\/blog\/wp-json\/wp\/v2\/posts\/4846\/revisions\/4848"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.wise.live\/blog\/wp-json\/wp\/v2\/media\/4847"}],"wp:attachment":[{"href":"https:\/\/www.wise.live\/blog\/wp-json\/wp\/v2\/media?parent=4846"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.wise.live\/blog\/wp-json\/wp\/v2\/categories?post=4846"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.wise.live\/blog\/wp-json\/wp\/v2\/tags?post=4846"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}