1Ingest
Ingest every record
Provider events, transaction hashes, payout records, ledger exports, and ERP files all land in the same review path - nothing sampled, nothing dropped.
Know what settled, what broke, and what finance should record.
Cross-Border Reconciliation
ReconLayer reconciles cross-border payment flows across provider records, on-chain transactions, fiat payouts, internal ledgers, and ERP entries.
Reconciliation Infrastructure for Payment Outcomes
ReconLayer 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
ReconLayer 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
ReconLayer 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 ledgerSettle
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
One workflow for every rail, provider, and record.
ReconLayer brings expected payments and fragmented evidence into one reviewable workflow across rails, providers, and internal systems.
Active rail
Fiat Rails
Reconcile bank statements, payout files, and clearing records against expected payments, provider events, and ledger entries. Keep every fiat movement tied to one reviewable case.
Ingest bank statements and payout files
Normalize ACH, RTGS, and local clearing records
Match fiat records to providers and ledgers
One workflow for every rail, provider, and record.
ReconLayer brings expected payments and fragmented evidence into one reviewable workflow across rails, providers, and internal systems.
BANK RAIL ACTIVITY
Fiat RailsReconcile bank statements, payout files, and clearing records against expected payments, provider events, and ledger entries. Keep every fiat movement tied to one reviewable case.
Ingest bank statements and payout filesBring in bank-side evidence.
Normalize ACH, RTGS, and local clearing recordsStandardize formats and references.
Match fiat records to providers and ledgersKeep outcomes connecte and reviewable.
ON-CHAIN ACTIVITY
On-ChainReconcile wallet activity, transaction hashes, token transfers, and fees against expected payments and internal ledgers. Keep blockchain evidence connected to the same case workflow.
Ingest wallet activity and chain evidenceBring in transaction records and confirmations.
Normalize hashes, token transfers, and network feesStandardize on-chain movement data.
Match on-chain records to internal ledgersKeep outcomes reviewable and connected.
PROVIDER ACTIVITY
ProvidersReconcile provider reports, payout events, fees, and adjustments against bank rails, on-chain records, and internal ledgers. Keep outcomes explainable and review-ready.
Ingest provider payout events and reportsCapture provider-side movement evidence.
Normalize provider formats, fees, and adjustmentsStandardize provider data.
Match provider records to bank and ledger entriesKeep outcomes reviewable and connected.
INTERNAL SYSTEM ACTIVITY
Internal SystemsReconcile journals, ERP exports, ledger entries, and API records with bank, provider, and on-chain evidence. Keep internal payment truth connected to each case.
Ingest journals, ledger entries, and operational recordsBring in internal movement evidence.
Map accounts, entities, and ERP dataStandardize system records and references.
Connect files, APIs, and webhooks to casesKeep outcomes reviewable and connected.
For the teams responsible
for financial truth.
ReconLayer brings clarity to every role responsible for understanding payment outcomes and financial truth.
Reconcile cross-border
payment flows with
complete settlement visibility.
Compare payment intent, provider events, on-chain confirmation, payout records, internal ledgers, and ERP entries in one reviewable flow.
Expectation Input
Expected payment
Capture the expected amount, currency, destination, and reference before evidence arrives.
- Amount
- Destination
- Reference
Create a clear PaymentIntent for every later record to reconcile against.
Payment Intent
Amount
Currency
Destination
Reference
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.
ReconLayer 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 StackReconLayer APIWebhook
Security, privacy & audit readiness
ReconLayer 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.
ReconLayer 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.