In complex payment ecosystems, reconciliation is the control that turns activity into trustworthy numbers. When data arrives from multiple acquirers, issuers, PSPs, processors, wallets and banks—each with its own formats, fees and timing—breaks proliferate, exceptions stack up and financial integrity erodes. Our transaction reconciliation services deliver accurate, automated, exception-driven matching across the payment lifecycle, shortening close, reducing leakage and strengthening audit readiness.
PSPs and acquirers looking to reconcile merchant settlement, reserves, chargebacks, scheme fees and funding flows with clear merchant-level reporting.
Marketplaces and platforms managing multi-party funds, split payments, payouts, escrow balances and cross-border exposure across providers.
Enterprise merchants and subscription businesses reconciling authorisations, captures, refunds, chargebacks and payouts across gateways, regions and banking partners.
High-growth fintechs needing automated, scalable reconciliation with strong controls as volumes and product lines expand.
We reconcile end-to-end, from intent to settlement:
We connect to gateways, processors, schemes, banks and internal systems via APIs, SFTP and streaming feeds. Extracted files are normalised into a common schema with versioned mappings. Idempotent loaders prevent duplication; late arrivals are handled deterministically.
Multi-pass matching uses deterministic keys and probabilistic logic (amount tolerances, time windows, counterparty heuristics, FX recognition) to pair events across sources. Configurable rules address partial captures, split shipments, tips, surcharges and multi-currency effects.
Unmatched items are triaged into clear categories—timing differences, data quality issues, fee discrepancies, missing counterpart entries, FX variances. Playbooks define owner, SLA and next best action. Auto-resolution patterns learn over time.
Contract modules apply scheme and acquirer pricing (interchange, assessment, processing, cross-border) and FX rules to calculate expected fees. Variances beyond tolerance thresholds trigger exceptions with transparent justification.
Approved matches generate postings to GL/subledgers via API or batch, with accounting treatments for breakage, write-offs and adjustments. Daily certifications and ageing reports provide line-of-defence assurance.
Dashboards expose match rates, ageing by exception type, recovery value, timing deltas and operational workload. Every transformation, match decision and adjustment is fully traceable for audit and regulatory review.
We start with a diagnostic to map your payment routes, providers, file formats, ledgers and close timelines. Then we:
Catalogue data sources, define canonical schemas and establish SLAs for data timeliness and completeness.
Configure matching rules and tolerances to reflect your products, currencies and contractual terms.
Onboard fee schedules and FX logic; import historical data to back-fill and benchmark performance.
Integrate with GL/subledgers and set up posting templates and approval workflows aligned to your control framework.
Stand up exception queues, playbooks, KPIs and reporting, with training for finance and operations teams.
Run parallel operations to validate match rates, variance drivers and ledger impacts before full cutover.
Our service aligns with internal control frameworks (SOX where applicable), PCI DSS principles for data handling, and regulator expectations for financial accuracy and safeguarding. We provide:
Reconciliation is a living control. We monitor source quality, mapping drift, scheme changes, provider file updates and new products. Regular reviews refine matching logic, expand coverage and tackle systemic breaks, converting exception trends into upstream fixes—with measured impact on match rates and close timelines.
We measure success in the metrics that matter: first-pass match rate, exception ageing, recovered value, time-to-close, posting accuracy and audit findings. Targets are agreed upfront, tracked transparently and refined as your footprint grows.
Close faster, recover more, and gain complete confidence in your payment flows. Speak to our team to explore how our reconciliation services can strengthen financial integrity and reduce operational burden. Schedule a consultation to get started.