Financial Operations

    Reconciliation
    engine

    Automated reconciliation engine that cross-matches transactions between card networks, banks, processors and your internal system — with intelligent matching, ML-powered exception management and complete audit trail.

    Reconciliation

    End-to-end reconciliation flow

    Visualize the complete lifecycle of each transaction: from authorization to settlement, identifying exceptions and discrepancies at every stage.

    Reconciliation sankey flow diagram showing transaction lifecycle
    Reconciliation

    Reconciliation by hierarchy

    Interactive drill-down from client level to each individual point of sale — with settlement and authorization metrics at every node.

    EntidadMonto / Settle
    RetailMax Group
    Client
    $ 87.546.55299%
    Colombia
    Organization
    $ 87.546.55299%
    RetailMax Stores
    Merchant
    $ 87.546.55299%
    Supermercados del Valle
    Sub-Merchant
    $ 25.577.43999%
    Sucursal Chapinero
    Group POS
    $ 9.089.44898%
    Caja 1 — Principal
    Point of Sale
    $ 4.730.37598%
    Caja 2 — Autoservicio
    Point of Sale
    $ 4.359.07498%
    Sucursal Usaquén
    Group POS
    $ 7.965.627100%
    Sucursal Cedritos
    Group POS
    $ 8.522.364100%
    Reconciliation

    Key features

    Automatic matching

    Intelligent cross-matching of transactions between multiple sources: card networks, banks, processors and internal systems.

    Exception management

    Automatic discrepancy detection with prioritization by amount and financial impact for efficient resolution.

    Real-time reconciliation

    Continuous processing of clearing and settlement files without waiting for end-of-day batches.

    Fee reconciliation

    Automatic verification of commissions, interchange and fees retained by networks vs. internally calculated amounts.

    Complete audit trail

    Every match, exception and resolution is documented with timestamps and responsible parties for compliance.

    Advanced reporting

    Dashboards with match rate metrics, resolution time, pending amounts and historical trends.

    Reconciliation

    Value for every business type

    For merchants

    • Certainty on every charge: know exactly what was processed, what was settled and what's pending
    • Automatic discrepancy detection between what was charged and what was received from the acquirer
    • Exportable reconciliation reports for your accounting team without manual intervention

    For Sub-acquirer/PayFac

    • Automatic multi-merchant reconciliation that cross-matches transactions, clearing and settlement in a single flow
    • Commission difference detection between calculated amounts and network-retained fees
    • Reconciliation APIs to integrate status into your own dashboards and accounting systems

    For Acquirers

    • 85% reduction in reconciliation time vs. manual processes with spreadsheets
    • Multi-source matching: automatically cross-matches files from networks, banks, processors and internal systems
    • Intelligent exception management: prioritizes discrepancies by amount and financial impact
    • Complete audit trail: every match and exception is documented for compliance
    Reconciliation

    Technical advantages

    1
    Automatic multi-source matching (networks, banks, processors)
    2
    Configurable reconciliation rules via API
    3
    Exception management with ML prioritization
    4
    Simultaneous multi-currency reconciliation
    5
    Fee and commission difference detection
    6
    Complete audit trail for compliance
    7
    Automatic reports and real-time alerts
    Reconciliation

    Differential vs. other processors

    Feature
    Legacy Processors
    Other Cloud

    Sources reconciled

    2-3 (manual)

    3-5

    Unlimited (auto)

    Reconciliation time

    24-48h

    4-8h

    <1h

    Exception management

    manual

    basic

    ML-powered

    Multi-currency

    partial

    Simultaneous

    Fee reconciliation

    Native

    Implementation

    3-6 months

    1-2 months

    1-2 weeks

    Automate your
    reconciliation

    Eliminate manual processes and reduce reconciliation time from days to minutes with the most advanced engine in LATAM.