Payment reconciliation
Every payment matched to your bank, every morning. Only the odd ones reach a person.
Demo
Try it on a sample week. Twelve Paystack payments against eleven bank lines.
| Customer | Reference | Date | Paid | Fee | Expected in bank | Bank line | Result |
|---|---|---|---|---|---|---|---|
| Adaeze Stores | PSK_7Q2M41 | 2026-10-27 | ₦45,000 | ₦775 | ₦44,225 | 2026-10-27 NIP/PAYSTACK/PSK_7Q2M41/STL | Matched by reference |
| Bayo Logistics | PSK_7Q2M58 | 2026-10-27 | ₦128,500 | ₦2,000 | ₦126,500 | 2026-10-27 NIP/PAYSTACK/PSK_7Q2M58/STL | Matched by reference |
| Kemi Okafor | PSK_7Q2N03 | 2026-10-27 | ₦9,800 | ₦247 | ₦9,553 | 2026-10-27 NIP/PAYSTACK/PSK_7Q2N03/STL | Matched by reference |
| Lagoon Pharmacy | PSK_7Q2N19 | 2026-10-27 | ₦250,000 | ₦2,000 | ₦248,000 | 2026-10-28 NIP/PAYSTACK/PSK_7Q2N19/STL | Matched by reference |
| Tunde Ade | PSK_7Q2N66 | 2026-10-28 | ₦17,250 | ₦359 | ₦16,891 | 2026-10-28 NIP/PAYSTACK/PSK_7Q2N66/STL | Matched by reference |
| Greenfield School | PSK_7Q2P02 | 2026-10-28 | ₦76,400 | ₦1,246 | ₦75,154 | 2026-10-28 NIP/PAYSTACK/PSK_7Q2P02/STL | Matched by reference |
| Ngozi Eze | PSK_7Q2P37 | 2026-10-28 | ₦3,200 | ₦148 | ₦3,052 | 2026-10-28 NIP/PAYSTACK/PSK_7Q2P37/STL | Matched by reference |
| Harbour Foods | PSK_7Q2P90 | 2026-10-28 | ₦410,000 | ₦2,000 | ₦408,000 | 2026-10-29 NIP/PAYSTACK/PSK_7Q2P90/STL | Matched by reference |
| Musa Traders | PSK_7Q2R14 | 2026-10-28 | ₦62,000 | ₦1,030 | ₦60,970 | 2026-10-28 PAYSTACK SETTLEMENT BATCH 1028 | Matched by amount and date |
| Ife Boutique | PSK_7Q2R55 | 2026-10-28 | ₦23,900 | ₦459 | ₦23,441 | 2026-10-29 TRF FROM PAYSTACK PAYMENTS LTD | Matched by amount and date |
| Delta Spare Parts | PSK_7Q2S08 | 2026-10-29 | ₦88,000 | ₦1,420 | ₦86,580 | None | Check: no bank line found |
| Chioma Bakes | PSK_7Q2S41 | 2026-10-29 | ₦15,500 | ₦333 | ₦15,167 | None | Check: refunded, no settlement expected |
| No Paystack payment | from narration | 2026-10-29 | None | None | ₦9,553 | 2026-10-29 NIP/PAYSTACK/PSK_7Q2N03/STL | Check: same reference credited twice |
How it works
Four jobs, every morning. Before anyone opens a spreadsheet.
- 01
Collects
Settlements and statements from each channel and bank, on a schedule or from files your team drops in a folder.
- 02
Matches
By reference first, then by amount and date, allowing for gateway fees, batched payouts and next-day settlement.
- 03
Explains
Every unmatched line gets a reason: refund, missing settlement, duplicate credit or a payment nobody can place.
- 04
Reports
A daily summary to finance, an exception queue to work through, and an export for your accountant.
Pricing
Paid discovery, then a fixed price per phase. Each phase covers the data sources we agreed.
Recon Health Check
I map your payment channels, measure what is unmatched today and how long it takes your team, and hand you a written plan with a fixed price per phase.
1 to 2 weeks
- Channel and bank map
- Unmatched value today
- Written plan and quote
₦350,000$350
Build
The system itself: matching for your channels and banks, the exception queue, approvals, the daily report, and the code in your repository.
2 to 6 weeks per phase
- Weekly demos
- Milestone payments
- 30 days of fixes
From ₦1,500,000$1,500
Care plan
Monitoring, new channels and changes as the business grows.
Monthly
- Monitoring
- New channels
- Priority fixes
Quoted after launch
Calculator
What manual matching costs you. Count the people and the hours.
The estimate uses their pay for those hours only. Money lost to unmatched payments comes on top.
Example: 2 people spending 10 hours a week each, paid ₦300,000 a month.
₦150,173 a month
₦1,802,081 a year in staff time.
Questions
Which payment channels can you match?
Paystack, Flutterwave, Moniepoint, Opay and other gateways with an export or API, POS settlements, wallets, NIBSS transfers and statements from Nigerian banks. If you can download it, it can usually be matched.
Do you need access to our bank account?
No login to your bank. I work from statement exports or read-only API access, and nothing moves money without a person approving it.
Where does the data live?
On infrastructure you own or choose, such as your cloud account or a server in your office. I sign an NDA and a data processing agreement before touching real data.
What does the finance team see each day?
A short report: totals by channel, what matched, and a list of exceptions with the reason for each.
What if we already use accounting software?
The matched results can be pushed into it or exported in the format your accountant uses.