Fix Reconciliation and Settlement Pain
RECONFLO is a dedicated settlement reconciliation platform built for POS aggregators and merchant payment platforms.
Born From Real Problems
Settlement reconciliation shouldn't consume your best people. It shouldn't take days. It shouldn't create disputes with your merchants and partners. We built RECONFLO because we got tired of watching fintechs struggle with a problem that technology should solve.
Not a product built in a lab—built because a real customer needed it.
A leading POS aggregator in East Africa came to us with a familiar problem: 500+ merchants, 3 banks, tiered commissions, and a finance team drowning in spreadsheets. Settlement took 5-7 days. Disputes were a weekly occurrence. Growth was capped by operational capacity.
We built RECONFLO to solve their problem. It worked. Settlement dropped to hours. Disputes vanished. They scaled 150 merchants without adding a single analyst.
That's when we knew—this isn't a one-off solution. This is a platform waiting to solve the problems for many POS led fintechs, in emerging markets.
Settlement reconciliation is broken across African fintech. We're starting with POS aggregators because that's where the pain is deepest—and where we've already proven results.
But the vision is bigger.
Faster settlements across entire payment ecosystems. Real-time reconciliation as the norm, not the exception.
Infrastructure that makes financial operations invisible—so fintechs can focus entirely on growth, merchant experience, and innovation.
RECONFLO is step one. We're just getting started.
Enterprise Muscle. Startup Speed.
Backed by XFIN
RECONFLO is a product from XFIN, a Dubai-based fintech platform trusted by banks and fintechs across MEA.
The XFIN advantage
Reconflo carries the XFIN DNA. Enterprise grade foundation. But built with startup intensity, founder led, customer driven, and shipping fast.
Credibility
Already trusted by banks and fintechs across Middle East and Africa.
Winning Together
We are partners, not vendors. We rise by helping banks, fintechs, and SMEs redefine what's possible.
Manual: Enemy of Progress
Automation is more than convenience; it's freedom for teams to focus on growth, strategy, and creating real value.
The experience behind Reconflo
Nishith Patnaik
founder
Alok Subudhi
founder
Got questions?
Facing settlement pain? Want to see if RECONFLO fits? We're all ears.
Talk to Our Founder. Direct access. No gatekeeping. No sales scripts. A real conversation about your settlement challenges.