Payment Reconciliation Engine
A reconciliation system matching transaction records across payment processors, banks and internal ledgers.
Disciplines
Stack
The problem
Settlement data arrives from processors, acquirers and banks in different formats and on different schedules. Matching it by hand is slow and error-prone, and unmatched entries are where money quietly goes missing.
The approach
- 01
Built normalised ingestion for heterogeneous settlement file formats into a common transaction model.
- 02
Implemented exact, tolerance-based and fuzzy matching passes, with every match carrying its rule and confidence for audit.
- 03
Surfaced exceptions in a review queue so operators work only the entries that genuinely need judgement.
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