Pay Your Merchants Today. Not Next Week.
Turn multi-day settlement cycles into hours. Automate reconciliation, commissions, and clearing so your merchants get paid faster - and choose you over competitors.
Meet the future of Reconciliation & Partner Settlement
RECONFLO quickly turns messy transaction data into clean reconciled clearing files, for accurate payouts in hours. Without spreadsheets and manual work.
Purpose built for POS led Fintechs
POS-Led Fintechs
Building payment infrastructure, scaling rapidly while maintaining operational excellence.
POS Merchant Aggregators
Selling POS devices, processing transactions, managing settlements across multiple partners.
Merchant Payment Platforms
Complex commission splits, multi-currency settlements, audit-ready reconciliation.
Why Settlement Reconciliation Breaks
Manual processes that worked for 50 merchants fail at 500.
Settlement Delays Kill Merchant Trust
Merchants expect 24-48 hour payouts. Every delay generates complaints and loses deals.
Manual Reconciliation Consumes Your Team
Your best people are stuck on data entry, not strategy, wasting 40+ hours monthly, matching transactions.
Commission Errors Create Disputes
Tiered structures varying by merchant create calculation errors, disputes, and hours investigating discrepancies.
We automate every step.
From data to bank settlements.
Why RECONFLO Works
Built by payments experts for multi-party settlements in emerging markets.
Built for Payment Ecosystems
Handles gateway reports, bank statements, POS data, mobile money - not just ledgers. Reconciles payment reality. Works out-of-box for aggregators.
Handles Real-World Complexity
Late data, changing formats, incomplete reports, outages, partial matching, fuzzy matching, exception workflows - are all covered.
Unlimited Commission Complexity
Configure rules in plain language, with merchant-specific pricing, volume tiers, device fees, and partner shares.
Backed by XFIN
Dubai-based platform serving banks and fintechs globally. Enterprise security, regulatory compliance, proven scalability. And founder led support.
Deploy Your Way
Cloud, On-Premise, Hybrid, or Private Cloud. Your compliance and security requirements. Identical capabilities across all options.
The Impact on Your Operations
Measurable improvements from day one.
90% Faster Settlements
Days cut to 4-6 hours. Same-day merchant payouts lead to happier partners.
Zero Manual Errors
Automated matching eliminates human error. Disputes drop 95%+. Month-end close: 7-10 days to 2-3 days.
3-5 FTE Hours Reclaimed
Team refocuses from reconciliation to merchant success and strategic initiatives. It is like adding 2-3 strategic resources.
Scale Without Adding People
Onboard 1000 merchants with same effort as 100. Unit economics improve with scale.
Real-Time Visibility
Settlement status, payout schedules, reconciliation health - visible instantly. Decisions made with current data.
Audit-Ready
Compliance
Complete audit trail. Management reporting by button-click. Instant auditor access to documentation.
Time Saved. Errors Reduced. Teams Empowered.
Free teams from spreadsheets, cut their work from days to minutes - even for millions of records, with AI that eliminates human error and reconciliation backlog.
Settle Faster
Experience your exact workflow automated in a 20-minute personalized demo.