1Ingest
Ingest every record
Provider events, on-chain transfers, bank records, and internal ledger entries all land in the same review path - nothing sampled, nothing dropped.
Know what settled, what broke, and what finance should record.
Cross-Border Reconciliation
Recon Layer reconciles cross-border payment flows across provider records, on-chain transactions, fiat payouts, internal ledgers, and ERP entries.
Reconciliation Infrastructure for Payment Outcomes
Recon Layer reconciles cross-border payment flows across provider records, payouts, ledgers, and ERP entries with audit-ready clarity.
See the full payment story in one reconciled flow
Recon Layer brings provider events, on-chain confirmations, fiat payouts, ledger records, and ERP records into a single reviewable flow.
One reconciled flow
See the full payment story, traced end to end
Recon Layer brings provider events, on-chain confirmations, fiat payouts, ledger records, and ERP files into a single reviewable flow - and carries each payment all the way to a finance-ready close.
2Normalize
Fragments
Normalizer
Payment intent
Source
Transfer
Destination
Route
Normalize into one flow
Inconsistent formats are standardized into one structure - amounts, references, timestamps, and counterparties aligned across every source.
3Match
Amount within tol.2 of 4
Timestamp within tol.1 of 4
Network match1 of 4
Ref. + amt. match2 of 4
Match with explainable rules
Transactions are paired across your stack by rules you can read. Every match shows the evidence and conditions it satisfied, so it holds up in an audit.
4Resolve
Surface exceptions, finance-ready output
Clean cases reconcile on their own; breaks surface as triaged exceptions with the full evidence trail attached. The number your team posts downstream is already explained and signed off - not just flagged for someone to chase.
Export CSVPost to ledgerView evidence
4Live case
Tap a case type
All set, case reconciledNo unexplained variance99.2%Confidence
Delta breakdownAmount (USD)
Expected amount$8850.00
Actual settled$8840.00
Explained (fees)– $10.00
Unexplained Δ$0.00
What happened
10:13:21 AM
Case created
ACME-2026-0001
10:13:31 AM
Evidence matched
4 records linked
10:21:12 AM
Case reconciled
All variance explained
Finance-ready outputReady to export and post downstream
Connect every system that shapes payment truth.
Connect payment systems and records into one reconciliation workflow.
Stablecoin
orchestration
Provider events and on-chain confirmations normalized into one reconciliation case.
Bridge
Transfers, payouts
BVNK
Virtual accounts
Iron
Treasury, settlement
Connect every system that shapes payment truth.
Recon Layer connects with the systems that move and record your money. From stablecoin orchestration platforms to PSPs and systems of record - every transaction flows into one canonical reconciliation workflow.
Selected category
Stablecoin orchestration
Provider events and on-chain confirmations in one reconciliation case.
Bridge
Transfers, payouts, on-chain confirmations
BVNK
Payouts, virtual accounts, settlement
Soon
Iron
Treasury, payouts, settlement evidence
Soon
Other orchestration platforms
Tell us where you settle - we'll prioritize it.
Request
Selected category
PSPs & neobanks
Card, ACH, and account-to-account rails connecting checkout to your ledger.
Stripe
Charges, refunds, payouts
Soon
Dodo Payments
Cross-border collections
Soon
Adyen
Global card rails
Soon
Other PSPs & neobanks
Checkout.com, Paddle, Mercury
Request
Selected category
Systems of record
Where the reconciled truth lives - your general ledger, ERP, and data warehouse.
QuickBooks
Journal entries, GL sync
Soon
NetSuite
ERP sub-ledgers, period close
Soon
Xero
Bank-feed reconciliation
Soon
Other systems of record
Zoho, SAP, custom GL
Request
Selected category
Stablecoin orchestration
Provider events and on-chain confirmations in one reconciliation case.
Bridge
Transfers, liquidations, wallet movements, on-chain confirmations
BVNK
Coming Soon
Payments-out, virtual accounts, merchant settlement evidence
Iron
Coming Soon
Treasury workflows, payouts, settlement evidence
Other orchestration platforms
Request
Tell us where you settle and we'll prioritize the next source.
Selected category
PSPs & neobanks
Card, ACH, and account-to-account rails connecting checkout to your ledger.
Stripe
Coming Soon
Charges, refunds, payouts, balance transactions
Dodo Payments
Coming Soon
Merchant-of-record cross-border collections
Adyen
Coming Soon
Unified commerce global card rails
Other PSPs & neobanks
Request
Checkout.com, Paddle, Mercury - request a rail.
Selected category
Systems of record
Where the reconciled truth lives - your general ledger, ERP, and data warehouse.
QuickBooks
Coming Soon
Journal entries, GL sync, multi-currency books
NetSuite
Coming Soon
Mid-market ERP sub-ledgers period close
Xero
Coming Soon
Cloud accounting bank-feed reconciliation
Other systems of record
Request
Zoho, SAP, custom GL - request a rail.
For developers
Build with reconciliation
truth at the core.
Send expectations, push evidence, receive verdicts — over a REST API with idempotency on both layers and outbound webhooks the moment a case resolves.
SDK IDapi.reconlayer.comlive
AuthBearer + Scoped keysv1
TransportREST + JSONHTTPS
WebhooksOutbound + SignedHMAC
Lifecycle - one expectation, one case
t = 014:22:08
POST/v1/payment-intentsyour request
curl -X POST /v1/payment-intents
t + 48ms14:22:08
201case createdawaiting_evidence
{ "caseId": "case_8h2k4m9d4a", "status": "awaiting_evidence" }
t + 2h 14m16:36:11
EVTon-chain transfer observedauto-matched
chain polygon · tx 0x9b4f...a32e · amount 4250.00 USDC
t + 2h 14m 3s16:36:14
FIREwebhook -> case.reconciledverdict pushed
matched · delta 0.00 INR · webhook delivered
case_8h2k4m9d4a
total 2h 14m 06s|1 leg|1 webhook
01/Safety
Idempotent on both layers
Retry safely with Idempotency-Key. And every externalReference stays unique per org - one expected payment, one case, deterministically.
Request-levelHeader replay
Business-levelOrg + Reference
On conflict409
02/Outbound
Webhooks for verdicts
The moment a case reconciles or breaks, your endpoint hears about it. Outcomes pushed as they happen - no polling, no batch jobs.
Case.reconciledVerdict
Case.exception_openedVerdict
Case.delayedSLA
Import.completedIngest
03/Surface
Run it headless
The whole product works without touching our dashboard. Scoped API keys, server-side org resolution, REST over HTTPS. The dashboard is one consumer.
Your StackRecon Layer APIWebhook
Security, privacy & audit readiness
Recon Layer helps financial operations teams handle sensitive payment evidence with controlled access, reviewable workflows, and clear audit history.
Organization-scoped permissions and least-privilege workflows help keep operational access controlled and reviewable.
Access controls
Evidence handling
Audit trail
Reviewable outcomes
Ready to Reconcile
Close the month with
reconciliation you can explain.
Recon Layer turns raw records into finance-ready outcomes with explainable matches, complete traceability, and audit-ready evidence.
Reviewable logic
Rules, thresholds, and reasoning you can inspect
Exception workflows
Queue, resolve, and document unmatched items
Reviewable logic
Rules, thresholds, and reasoning you can inspect
Exception workflows
Queue, resolve, and document unmatched items
Explainable Matching
Clear reasoning for every match and exception.
Audit-Ready Evidence
Evidence trails with full lineage and source links.
API-First Workflows
APIs, webhooks, and SDKs for flexible integration.