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Reconciliation and Ledger
Reconciliation and Ledger is the blueprint for knowing, every day, that every amount in your system matches the bank, the gateway and the books.
Overview
Reconciliation is where money software earns trust. We build a double-entry ledger as the single record, then match it automatically against every external source.
AI handles the messy matches: partial payments, merged settlements and references typed wrong. What it cannot match goes to a queue with a suggested answer.
Who it is for
- Payment companies and marketplaces with high transaction volumes.
- Finance teams reconciling many bank accounts and gateways.
- Fintechs that need a ledger before they scale.
What you get
- A double-entry ledger with accounts, journals and balances.
- Statement and settlement ingestion from banks and gateways.
- Rule-based and AI-assisted matching.
- An exceptions queue with suggested matches.
- Daily reconciliation reports and an audit trail.
How it runs
- List every source of money data and its format.
- Design the ledger and the matching rules.
- Ingest and match the largest sources first.
- Add AI matching and the exceptions queue.
- Daily reports, then monitoring and alerts.
In practice
- Gateway settlements matched to orders and bank credits each morning.
- Dozens of bank accounts reconciled in one view across entities.
- A fintech’s ledger rebuilt before a funding round audit.
Technology
- PostgreSQL ledger with immutable journal entries.
- Bank statement formats such as MT940, CAMT and CSV.
- AI matching with every suggestion logged.
How we charge
Fixed-scope build, then an optional managed run.
Questions
Do we need to replace our accounting system?
No. The ledger sits beside it and posts summarised entries to it.
Talk to the team
Two-week, fixed-fee discovery. Production release by week 12.
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Let’s talk about what you want to ship.
Start with a two-week, fixed-fee discovery. You get a ranked portfolio, an architecture, a cost model and a fixed-price build plan.