Multi-merchant payment reconciliation
Match the money you expect with the money that lands.
Connect every gateway, bank and processor, bring all transactions into one common ledger, and reconcile with rules you define. What matches, matches on its own; what doesn't, surfaces as an exception.
One common ledger for all your sources Reconciliation rules on your terms
Reconciled automatically
98,2%
Exceptions
3
Bravo Café · #4471
Stripe
Nara Studio · #4472
Adyen
Bravo Café · #4473
Banco
Lume Shop · #4474
PayPal
Sound familiar
Every month-end turns into a puzzle of exports and spreadsheets.
Each gateway, bank and merchant exports in its own format, with its own fees.
You reconcile by hand in a giant spreadsheet no one else understands and that breaks the next month.
By the time a mismatch shows up, weeks have passed and reconstructing what happened takes hours.
Settle Match brings all your sources into one common ledger and does the reconciliation for you, with repeatable rules.
How it works
From scattered transactions to a reconciliation that explains itself, in three steps.
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01
Connect your sources
Link every gateway, processor and bank. Settle Match brings in each transaction as-is, with its fee and its reference.
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02
Sync to a common ledger
Every transaction comes in with the same structure: amount, date, status and reference normalized. It's gathering and ordering the data, not reconciling yet.
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03
Reconcile with your rules
You define how movements are matched: by amount, date, status or count. What agrees is marked on its own; what doesn't goes to the exceptions queue.
Sync
Bringing each transaction from its sources and laying it out in one ledger. It's the “what arrived”.
Reconcile
Cross-checking that movement against what you expected under your rules. It's the “does it add up or not”.
Syncing isn't reconciling. First we gather the data; then you decide when the reconciliation is signed off.
Sources and sync
Each source comes in whichever way fits best.
Gateways, processors, banks and merchants send their data in very different ways. Settle Match collects it through three channels and lands it all in the same normalized ledger.
No matter how each transaction arrives, it ends up in the same format, with its fields normalized and its fee separated, ready to reconcile.
Webhooks
The source notifies as soon as the movement happens and it comes in instantly.
Periodic polling
Settle Match checks the source at set intervals and pulls in what's new.
File upload
You upload a CSV or statement and it's normalized just like the rest.
Reconciliation
You define what it means for something to add up.
A reconciliation profile is a set of rules: which fields must match —amount, date, status, count—, how much difference you tolerate and how to treat fees. You configure it once and it applies at every close.
- Cross-check by amount, date, status and count, or whichever combination you decide.
- Tolerate small fee or rounding differences without flagging false mismatches.
- One profile per source type or merchant; reuse it month after month.
- Whatever fits no rule goes to the exceptions queue for review.
Profile · Gateways
Cross-checks by amount, date and status
3 exceptions to review
Amount out of tolerance · no reference
Features
Everything reconciliation needs, without leaving one place.
One common ledger for every source
Every transaction normalized to the same format, with its fee separated and its origin in plain sight.
Many merchants, a single view
Reconcile dozens of merchants at once without mixing up their movements or their accounts.
Reconciliation profiles
Repeatable rules you decide: fields to cross-check, tolerances and fee handling.
Exceptions queue
Whatever doesn't add up is set aside with its reason to review, resolve and leave a trail of the decision.
Reports and export
Export the reconciliation result to CSV for your accounting or your close, whenever you need it.
Traceability of every reconciliation
What matched with what, under which rule and who resolved each exception. A clear history of every close.
Win back the hours lost to reconciling by hand.
Tell us which sources you handle and how you close today, and we'll give you access to try it with your own transactions.
In active development. You get in early and help shape the product with your real workflow.