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Payment Reconciliations

Automate Payment Reconciliation Across Major Schemes

Effortlessly reconcile payments from ACH, Zelle, BACS, CHAPS, SEPA and card networks with real-time exception reporting and seamless integration.

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What you'll gain:

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    End to end automation of complex payment reconciliation workflows
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    Faster identification, investigation and resolution of breaks
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    Accurate fee, interchange and scheme charge reconciliation
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    Improved governance, auditability and regulatory compliance
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    Real time visibility into settlement positions and balances

Scheme settlement and fee reconciliation

Reconcile scheme files against internal transaction data to validate settlement amounts, interchange and scheme fees across cards and alternative payment methods.

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Processor and acquirer reconciliation

Validate amounts received from processors and acquirers versus expected settlement data, ensuring discrepancies are identified before month end.

Real time payments reconciliation

Support continuous reconciliation on RTP rails, providing immediate visibility into posting, settlement and funding positions.

Nostro and settlement account reconciliation

Reconcile payment flows to bank accounts, ensuring all movements are accurately reflected and unexplained balances are quickly resolved.

How the platform delivers results

  • Data ingestion and standardisation
    AutoRek connects to processors, acquirers, gateways, banks and internal systems to ingest payment, settlement and fee data. All data is normalised into a consistent model, removing the need for manual reformatting.
  • Intelligent matching engine
    A configurable rules engine applies deterministic and probabilistic matching logic, including tolerance handling for timing, rounding and fee differences. Matching operates in real time, intraday or batch depending on the rail.
  • Exception management and resolution
    Unmatched items are automatically categorised and routed for investigation. Teams can drill into variances, apply adjustments, and reprocess items without spreadsheets or offline work.
  • Reporting and audit
    Reconciliation status, breaks, balances and movements are available through dashboards and reports. All actions are fully auditable, supporting internal controls and regulatory reviews.

FAQs

What types of payment rails does AutoRek support?

AutoRek supports domestic and international payment rails including ACH, BACS, CHAPS, SEPA, RTP schemes, card networks and alternative payment methods. New rails and formats can be onboarded without custom development.

Can AutoRek handle high volume and peak processing?

Yes. AutoRek is designed for very large transaction volumes with no limits on data size or message format, allowing reconciliation to scale as payment volumes grow.

How does AutoRek manage payment exceptions?

Exceptions are automatically identified, categorised and prioritised using rules and enrichment. Teams can investigate variances directly within the platform and apply resolution actions with a full audit trail.

Does AutoRek support regulatory and audit requirements?

AutoRek provides end to end traceability, detailed reporting and complete audit history for all reconciled items, supporting regulatory compliance and internal controls.

How long does it take to implement payments reconciliation?

Implementation timelines depend on the number of rails and data sources, but AutoRek is designed for rapid onboarding using configurable ingestion and rules rather than bespoke code.

Get ready to transform your reporting processes

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