Payment reconciliation that closes your books, not just your tickets.
Stripe, Adyen, Mollie, card schemes, bank feeds, intercompany — modern FinTechs juggle a dozen sources of truth. We build the reconciliation pipeline that ties them to your ERP, so month-end takes days instead of weeks.
Manual matching doesn't scale past series A.
A PSP payout arrives net of fees, chargebacks and refunds. A bank feed drops it 1–3 days later, sometimes split. Your ERP wants gross revenue, fees and net cash on separate accounts. Excel handles this for a few thousand transactions. At scale it breaks — and takes your close date with it.
Four stages, one audit trail.
Ingest
Pull PSP payout files (Stripe, Adyen, Mollie), card-scheme reports, bank feeds and intercompany ledgers into a single reconciliation layer.
Match
Rule-based matching on merchant reference, currency, value date and fee bracket — with fuzzy tolerance for scheme-side rounding and FX drift.
Explain
Every unmatched item is categorised: chargeback, refund, scheme fee, timing, duplicate. No more manual triage sheets.
Post
Journals pushed to NetSuite, Oracle or SAP with full audit trail — ready for month-end close and statutory audit.
ERPs, PSPs & rails.
We work with NetSuite, Oracle Fusion and SAP on the ERP side; Stripe, Adyen, Mollie, Checkout.com and Worldpay on the PSP side; SEPA, SWIFT and card-scheme files on the bank side. Custom Python pipelines fill the gaps native connectors don't cover.
- Daily reconciliation dashboards for finance ops
- Automated journal entries into your ERP
- Exception queues categorised by root cause
- A close checklist your auditor will actually approve
- Documentation aligned with SOx controls
Questions I get asked
- What does a reconciliation engagement start with?
- A data map: every PSP, acquirer, marketplace, bank account and wallet, the file or API behind each, and who currently owns the difference. That map usually explains the backlog before any software is discussed.
- Can you fix reconciliation without replacing our systems?
- Often yes. A large share of unmatched volume comes from gross-versus-net booking, fee and FX treatment or missing reference fields — all fixable inside your current stack.
- How long until the backlog is cleared?
- For a typical scale-up with two or three payment sources, expect a clean close within two to three cycles, with exception volume trending down from the first month.
- Do you cover chargebacks, refunds and reserves?
- Yes. Those are where most reconciliation designs break, so they are treated as first-class flows with their own accounts and rules, not as exceptions.
- Will the result survive an audit?
- That is the standard. Rules are documented and versioned, manual matches are approved and logged, and the audit export is designed with the auditor's request list in mind.
Reconciliation, on rails.
Show us your PSPs, your ERP, and one messy month-end. We'll come back with the fastest path to a clean, automated close.
30 minutes, no obligation. Bring your close timeline and top pain points.
Book a diagnostic call