Reconcile Fast.
Settle Faster.
The secret weapon behind fast payouts
Transform reconciliation and settlement from a painful, manual chore into an automated growth engine - built to handle scale, complexity, and non-stop business change.
Machine Learning Based Matching
Learns from historical data, adapting to new transaction types, formats, and business rules.
Intelligent Rule Engine
Combine hard logic with AI letting your teams automate non-exact matches with confidence.
Multi-Source Data Normalization
AI intelligently parses, cleans, and maps data - even when formats change or references are partial.
Self-Learning Improvement
Each reconciliation cycle sharpens the AI: the system refines future logic for ever-better results
Connect Any Data Source
Bring every source into one view. Bank reports, POS logs, gateway files, and partner statements come together in one place.
Intelligent Normalisation
Disparate data structures unified into consistent format. Handles inconsistent field names, date formats, currency codes. Validates data quality on ingestion.
Flexible Formats
CSV, Excel, XML, JSON, API, SFTP, database connections. We adapt to your data sources.
Scheduling & Real-Time
Run on your schedule - hourly, daily, weekly, or real-time streaming. Historical data import for backfilling gaps.
Intelligent Transaction Matching
Our reconciliation engine matches transactions across sources automatically. It finds missing entries, duplicates, and mismatches - so your team doesn’t have to.
2 & 3 Way Matching
Transaction-level: Match individual transactions across merchant, gateway, bank. Balance-level: Reconcile aggregate balances across systems, simultaneously.
Partial & Fuzzy Matching
Handle partial settlements, split transactions, cross-border conversions. Fuzzy matching for amount discrepancies from FX rounding, fee deductions, timing.
Exception Intelligence
Auto-flags missing transactions, amount mismatches, duplicates, orphaned entries. Configurable tolerance rules to reduce false positives.
Automated Commission Calculations
Handle complex commission and fee rules across merchants, banks, and partners. Changes are auto-applied without breaking settlement cycles.
Tiered Rate Structures
Volume-based pricing, merchant-specific rates, device type pricing, value-added service fees. Unlimited tiers and pricing rules per merchant.
Partner Revenue Shares
Automated splits for payment gateways, acquiring banks, POS providers, referral partners. Multi-party commission distribution in single calculation.
Audit Trail & Preview
Complete calculation history for every transaction. Preview commission impact before committing rule changes.
Bank-Ready Clearing Files
Once reconciliation is complete, RECONFLO generates clean clearing files and tracks bank settlements. Your payouts move faster and with fewer errors.
Multi-Format Generation
MT940, SWIFT, NACHA, custom bank formats. Configure templates per bank relationship. Batch by settlement schedule (daily, weekly, merchant-specific).
Pre-Submission Validation
Validates file format, required fields, balance totals before submission. Prevents rejections from formatting errors or missing data.
Settlement Tracking
Track file submission status. Confirm when banks process disbursements. Reconcile confirmations against clearing files. Close loop with merchant notifications.
Real-Time Visibility Into Settlement Operations
Turn settlement data into actionable insights - for leadership, partners, and strategic decisions.
Executive Dashboards
Real-time updates, not end-of-day reports. Leadership answers "What's our settlement position?" in seconds.
Performance Metrics
Monitor improvement over time. Benchmark against your own historical performance. Identify bottlenecks before they impact operations.
Trend Analysis
Identify patterns in settlement volumes, commission calculations, exception rates. Spot merchant growth trends or declining activity early.
More Power Features
Smart Exception Management
Automated workflows for common exceptions, manual review for genuine issues.
Approval Workflows
Multi-level approvals for large amounts or sensitive exceptions. Configurable thresholds. Complete approval audit trail.
Custom Reporting
Pre-built reports: settlement summary, commission breakdown, exception analysis, partner reconciliation.
Deploy Your Way with Bank-Grade Security.
Private Cloud
Dedicated instance in your preferred cloud region. Isolated environment, cloud benefits, your compliance requirements met.
Cloud (SaaS)
Fastest deployment, managed infrastructure, automatic updates. Hosted in regional data centers (AWS/Azure Africa). 99.9% uptime SLA.
Bank-Grade Protection
End-to-end encryption. Role-based access. Multi-factor authentication. Regular penetration testing.
Compliance Ready
Audit logging, data retention policies, GDPR compliance. Documentation packages for regulatory submissions.
Data Sovereignty
Deploy in your required geography. No cross-border data transfer. Meet local regulatory requirements.
Compliance & Security built-in
Global Compliance Ready
We are fully aligned with ISO 27001, ISO 27701, GDPR, and other global privacy and security standards—giving you peace of mind on day one.
End-to-End Encryption
All data is encrypted in transit (TLS 1.3) and at rest (AES-256), guaranteeing that sensitive customer and financial information remains protected at all times.
Role-Based Access
Fine-grained user permissions, enforced MFA/2FA, and adaptive access controls prevent unauthorized entry.
AI Auditing - Admin Oversight
Audit trails, real-time monitoring, and admin controls for transparent governance.
Secure Cloud Hosting
Compliant, region-appropriate cloud infrastructure, with strict access controls and threat monitoring.
See Your Workflow Automated
Book a personalized demo to see RECONFLO configured for your exact settlement process.