Eliminate manual effort and gain complete financial visibility with automated transaction  reconciliation. 

Viyona’s Reconciliation solution helps banks, fintechs, and enterprises match payments, settlements, and reports across systems with speed, accuracy, and operational control.
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Key Features

  • Automated Transaction Matching

    Match transactions across banks, payment gateways, switches, and internal systems automatically.

  • Multi-Source Data Consolidation

    Ingest and reconcile data from multiple payment channels into a single unified view.

  • Real-Time Discrepancy Detection

    Identify mismatches, failures, reversals, and pending transactions instantly.

  • Settlement Tracking & Validation

    Track settlement amounts, validate credits, and ensure financial accuracy across accounts.

  • Customizable Reconciliation Rules Engine

    Define logic based on transaction IDs, timestamps, amounts, and reference numbers.

  • Detailed MIS & Reporting Dashboards

    Access reconciliation summaries, variance reports, and operational insights in one place.

  • Scalable Processing Architecture

    Handles high transaction volumes across multiple products like UPI, IMPS, BBPS, and Autopay.

  • Audit-Ready Data Trails

    Maintain detailed logs and reports for compliance, finance audits, and operational review.

How Reconciliation Works

  • Data Collection

    Transaction data is pulled from banks, switches, payment platforms, and internal systems.

  • Data Standardization

    System normalizes formats and prepares records for comparison.

  • Intelligent Matching Engine

    Transactions are matched based on predefined rules like amount, reference ID, and timestamps.

  • Exception Identification

    Unmatched or mismatched transactions are flagged automatically for review.

  • Reporting & Settlement Validation

    Generate reconciliation reports and validate settlements across all sources.

REGUREGULATOR-WISE FOR Reconciliation

Usecases 

Banks
  • Daily transaction reconciliation across payment channels
  • Settlement validation across partner networks
NBFCs
  • Loan disbursement vs repayment tracking
  • EMI collection reconciliation
Fintech Platforms
  • Gateway vs bank settlement matching
  • Wallet-to-bank transaction validation
Enterprises
  • Payment vs invoice reconciliation
  • Vendor payout validation
Digital Platforms
  • Multi-channel payment reconciliation
  • Transaction success vs settlement comparison

Why Choose Viyona Fintech for Reconciliation?

  • Reduce Manual Effort & Errors

    Automate complex reconciliation workflows and eliminate spreadsheet-driven processes.

  • Single Source of Financial Truth

    Consolidate transaction data across systems into one unified reconciliation layer.

  • Faster Financial Closures

    Accelerate daily and monthly settlement validation cycles.

  • High Accuracy Matching Engine

    Smart rule-based matching improves precision and reduces mismatches.

  • Scalable for Multi-Channel Payments

    Supports reconciliation across UPI, IMPS, BBPS, Autopay, and more.

  • Operational Transparency

    Real-time dashboards for finance, risk, and operations teams.

  • Audit & Compliance Ready

    Detailed logs and traceability support financial governance and audits.

Start Your Reconciliation Integration

Share your details and our onboarding team will guide you through technical integration, certification, and production deployment of your Reconciliation setup.

    OUR EXPERT'S ANSWER

    Commonly Asked Questions 

    What is payment reconciliation?
    It is the process of matching transactions across multiple systems to ensure financial accuracy and settlement correctness.
    Can it reconcile data from multiple payment channels?
    Yes. The platform supports reconciliation across banks, gateways, switches, and internal systems.
    How does it identify mismatches?
    Using rule-based matching logic across transaction IDs, amounts, and timestamps.
    Who benefits from this platform?
    Banks, fintechs, NBFCs, and enterprises handling high transaction volumes.
    Does it support reporting and audits?
    Yes. It generates detailed reports and maintains audit-ready transaction trails.
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