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Fintech Infrastructure

Settlement & Reconciliation at Scale: The Boring Problem That Breaks Companies

Payomatix EngineeringJune 13, 20256 min read

The Problem

Funds flow across acquirers, schemes, banks, and your ledger — each with its own format, timing, and edge cases. Three-way mismatches accumulate quietly until they don't.

What Good Looks Like

  • Daily three-way reconciliation across acquirer reports, bank statements, and internal ledger.
  • Auto-classification of breaks (timing, FX, fee, missing).
  • Aging dashboard for unreconciled items.
  • Exception workflow for ops to investigate and resolve.

    • What Bad Looks Like

    Quarterly Excel marathons. "We'll fix it when we have time." Mismatches over 30 days old.

    Payomatix Reconciliation

    Built-in, automated, daily, with full audit trails. Most customers reduce reconciliation effort 80%+ in the first month.

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