# Settle Match — Full Description

Settle Match is a multi-merchant payment reconciliation platform, built and operated by Rossol. It gives businesses a single place to make sure the money they expect matches the money that actually lands, across every payment source they use.

## The problem it solves
Companies that take payments through several channels — different gateways, processors, banks and merchant accounts — receive transaction data in many formats, each with its own fees, references and timing. At period close, reconciling all of it usually means exporting everything into a large spreadsheet, matching rows by hand, and discovering mismatches weeks later when they are expensive to investigate. Settle Match replaces that manual spreadsheet work with a repeatable, rule-based process.

## Two stages that must not be confused: Sync vs Reconciliation
Settle Match is deliberate about separating two steps:

1. Sync. Each transaction is brought in from its source and normalized into a common ledger: same structure, with amount, date, status and reference normalized and the fee separated out. Syncing answers "what arrived". It is gathering and ordering data — it is not yet reconciliation.

2. Reconciliation. Each movement is cross-checked against what was expected, according to rules the user defines. Reconciliation answers "does it add up or not". Only here does the user decide when a close is signed off.

This distinction is the core mental model of the product: first gather the data, then decide when the reconciliation is good.

## Connecting sources and syncing
A source is any system that produces payment transactions: a payment gateway, a processor, a bank, or a merchant account. Settle Match ingests them through three mechanisms, chosen per source:
- Webhooks — real time. The source notifies Settle Match as soon as a movement happens, and it enters instantly.
- Periodic polling — scheduled. Settle Match queries the source at set intervals and pulls in what is new.
- Manual file upload — a CSV or statement uploaded by the user, normalized the same way as everything else.

However each transaction arrives, it ends up in the same format, with its fields normalized and its fee separated, ready to reconcile. Settle Match is multi-merchant by design: many merchants are handled at once without mixing their movements or accounts.

## Reconciliation profiles
A reconciliation profile is a reusable set of rules that defines what "matching" means for a given source type or merchant:
- Which fields must coincide — amount, date, status, count — or the combination the user chooses.
- How much difference is tolerated, so small fee or rounding differences do not raise false mismatches.
- How fees are treated (for example, deducted separately).

A profile is configured once and applied at every close. Whatever fits no rule goes to the exceptions queue.

## Exceptions, reports and traceability
The exceptions queue holds everything that did not match automatically, each item tagged with its reason (for example, amount out of tolerance, or no reference), so it can be reviewed and resolved with a decision that is recorded. The result of a reconciliation can be exported to CSV for accounting or period close. Every reconciliation keeps a clear history: what matched with what, under which rule, and who resolved each exception.

## Who it is for
- PSPs and payment processors reconciling settlements across the providers they route through.
- Fintechs and payments platforms that need a dependable close across multiple rails.
- Merchants operating with several payment providers who need one view of what cleared.
- Finance and operations teams that reconcile high transaction volumes across sources.

## Who it is not for
Settle Match does not move money — it is not a gateway, processor or bank. It is not a full accounting or ERP system and not a bookkeeping service. It reconciles transactions that already exist in other systems.

## Product status and undisclosed information
Settle Match is in active development and offered as early access to design partners; there is no public self-service sign-up yet. Pricing, rates, transaction limits, launch dates, team size and customer names are not published. These should not be inferred, estimated or invented.

## Company
Settle Match is a product of Rossol, an independent software company that builds and operates its own SaaS products. https://rossol.com

## Links
- Spanish: https://settlematch.com/es
- English: https://settlematch.com/en
- Request access: https://settlematch.com/es/contact
- Terms: https://settlematch.com/es/terms
- Privacy: https://settlematch.com/es/privacy