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Platform

One reconciled foundation for reconciliation, payment intelligence, disputes and close, with AI agents working within the controls your team defines.

Product tourSee one payment traced from authorization to journal entry.

Solutions

Built for merchants and enterprises, payment companies and banks, from the payment rail to the ledger.

Getting startedStart with one problem. Prove it on your own data.

Customers

See how finance teams at enterprises, payment companies and banks run their operations on Optimus.

Customer storyHow T-Mobile automated its payment back-office.
PlatformAI agentsSolutionsCustomersIntegrationsCompanyBook a demo
For banks, payment companies and merchants

The AI Canvas for Enterprise Finance Operations.

An Autonomous Payment-to-Close Platform.

Powered by the Finance Ontology, Optimus AI agents do the work: reconciling transactions, resolving exceptions, detecting payment fee errors, and preparing the books for close.
Autonomous execution. Complete visibility. Your team in control.

Book a demoTake the product tour
Eliminate Manual WorkLower Payment CostsAccelerate Financial Close
Explore the Optimus platform01 / 05
Optimus / Data CanvasProduct view
Setup Manager/Institution: optimusfinTime Zone: America/New_Yorkuser@optimusfin
Home > Payment Setup >

Credit card -Ecomm

Credit card -Ecomm

Credit card -EcommView*:Setup+ Add SourcePre-Configured Source
+ Use SourceAuto Layout−  100%  +Save
Billing & Gateway
2 Sources
Processor & Network
3 Sources
Bank
1 Source
BillingSys...
POSTING
Gateway
AMEXAmex
AdyenAdyen
ChasePaymentTec...
usbankUSBank
SETTLEMENTSETTLEMENT / FEESFEES / SETTLEMENTFUNDINGFUNDINGFUNDING
Optimus / ReconciliationProduct view

Reconciliation overview

Compare processor, bank, billing and ERP records in one pass, with exceptions ready for investigation.

All channels · October
Transactions reconciled12.48M▲ 8.2% vs September
Auto-matched98.7%▲ 1.4 pts
Resolved by AI agents1,106of 1,284 exceptions
Value under investigation$48,212▼ 63% this week
Daily volume and match rate Auto-matched Exceptions
Oct 1Oct 15Oct 30
AI agent investigation Live
Settlement short by $4,812.40Adyen · Batch 0418 · 2,931 payments
Pulled the settlement report and bank deposit
Compared every fee with contracted rates
Root cause: scheme fee charged twice on 312 payments
Prepared the adjustment and processor claim
EvidenceSettlement reportFee fileRate card
Awaiting approvalApproveView evidence
Exception queue
Auto-resolved 86%With AI agents 11%Needs your review 3%
Optimus / Transaction TraceProduct view

Transaction Trace

Follow a transaction from authorization through fees and settlement to the journal entry.

Payment •••• 4821
Canvas: Card paymentsSource: BillingPeriod: This month
Order$1,240.00
AuthorizationApproved
Capture$1,240.00
!Processor fee−$38.44
Settlement$1,201.56
Bank deposit$1,201.56
Journal entryPosted
TimeSystemEventAmount
Oct 17 09:14ShopifyOrder created$1,240.00
Oct 17 09:14StripeCaptured$1,240.00
Oct 18 02:00StripeFee charged−$38.44
Oct 19 06:30StripePayout 0418$1,201.56
Oct 20 08:05ChaseDeposit received$1,201.56
Oct 20 08:12NetSuiteJournal posted$1,201.56
AI root cause Investigating

Fee charged at 3.10% instead of the contracted 2.50%. The same rate was applied to 1,942 payments in this payout.

Compared the fee with your rate cardChecked every payment in the payoutCalculated the overcharge
This payment$7.44
Across the payout$6,318.20
EvidenceRate cardProcessor fee filePayout report
Raise processor claimEscalate
Optimus / Payment IntelligenceProduct view

Payment Intelligence

Answers on fees, authorization rates, anomalies and performance, in context.

Processing costs · October
Total payment costs$2.84M▼ 3.1% vs September
Effective rate2.31%▼ 0.12 pts
Interchange share71%of total cost
Savings identified$41.2Kper month
Cost breakdown
$2.84MOctober
Interchange$2.02MNetwork fees$398KProcessor markup$312KOther$114K
Effective rate by network
Visa2.18%
Mastercard2.27%
Amex3.05%
Discover2.41%
Where are we overpaying on interchange?

48,300 card-not-present payments were downgraded to a higher interchange rate because Level 2 data was missing at capture. Sending it would save about $18,600 a month.

Savings opportunities
Missing Level 2 dataInterchange$18.6K/moReady to fix
Network fee billed twiceNetwork$9.3K/moEvidence ready
Markup above contractProcessor$6.1K/moClaim drafted
Retries sent to a costlier acquirerRouting$7.2K/moSuggested
Message Optimus AI…↑
Optimus / Financial CloseProduct view

Month-end close · October

Reconciled activity mapped to journals and ledgers, ready for review.

Close · Day 2
86%
Close progress

31 of 36 tasks complete

Reconciliations100%
Journals82%
Review60%
Account balances
Cash$14.2MTied out
Processor receivable$3.86MTied out
Accrued fees$382KIn review
Blocking the close

Unposted settlement · $12,480Financial Close Agent traced it to a late payout and drafted the posting.

Ready for review
Close taskOwnerStatus
Cash reconciliationRecon AgentComplete
Bank reconciliationRecon AgentComplete
Receivable roll-forwardRecon AgentComplete
Processing fee accrualFinancial Close AgentDrafted
Chargeback reserveFinancial Close AgentComplete
Unposted settlement · $12,480Financial Close AgentFlagged
Controller sign-offCTControllerPending
JE-1042 · Processing fee accrualDrafted by Financial Close Agent
AccountDebitCredit
5100 Processing fees expense382,140.22
2100 Accrued processor fees382,140.22
Linked to 48,212 source transactionsApprove and post
01 / Data Canvas

Bring your finance systems together.

Map a new processor, bank, or payment channel into existing workflows without starting an engineering project.

Battle-tested at enterprise scale

Autonomous Finance Operations. Built for billions. Undisputed at Enterprise Scale.

Most finance automation is built for mid-market teams. Optimus runs where volume, complexity and control requirements are highest: at global brands, payment companies and banks.

SephoraUnder ArmourT-MobileQuikTripSuperBetVirgin VoyagesTilloACI WorldwideCFSBRuya BankDokuSephoraUnder ArmourT-MobileQuikTripSuperBetVirgin VoyagesTilloACI WorldwideCFSBRuya BankDoku
$100B+
Annual transaction value supported
3B+
Transactions
150+
Pre-built connectors
“Optimus has completely transformed and automated our payment back-office by reducing time spent on manual processes by 90%.”
Robert Savage, Head of Enterprise Payment Solutions, T-Mobile
“The team at Optimus Fintech met with our customer and developed a robust reporting and reconciliation tool that met their needs.”
Carlos Dafonte, Head of Partnerships, ACI Worldwide
“Optimus stood out for its ability to process high-volume, multi-country payment data with precision.”
Doug Richards, CFO, Tillo
“Our collaboration with Optimus Fintech has been transformative for DOKU and our partners. This unprecedented success in transaction processing and merchant settlements is just the beginning. We are particularly excited about the upcoming launch of Optimus' AI-powered Fees & Commissions module. It will give us the transparency and accuracy we need to maintain complete trust with our merchants, ensuring fairness in every interaction.”
Chris Yeo, CEO, DOKU
The Finance Ontology

One Financial Truth. Fully Autonomous Operations.

From order to ledger, Optimus connects every payment, settlement, deposit, and financial record through a unified Finance Ontology; giving AI agents the intelligence and context to reconcile, investigate, and resolve financial operations autonomously.

Business impact

Not Another Reconciliation or Analytics Tool.

AI agents eliminate manual work, prevent leakage, reduce payment costs and accelerate close.

01 / 06

Eliminate the Data Tax

90%less time on manual processes at T-Mobile

Stop spending finance hours collecting, cleaning and matching data. AI agents connect every source and do the matching, so your team reviews outcomes.

Without OptimusWith Optimus
Month-end data prepExports, uploads and spreadsheets
processor_export.csvManual
bank_statement.pdfManual
erp_ledger.xlsxManual
settlement_0418.csvManual
Team time on data prepMost of the week
Connected sourcesMatched as data arrives
Processors and gatewaysConnected
Bank feedsConnected
ERP and general ledgerConnected
Billing and order systemsConnected
Team time on data prepReview only
02 / 06

Stop Revenue Leakage

~350mnof revenue recovered from order-to-cash leakage

Short settlements, missed refunds and unbilled transactions are caught at transaction level, explained and recovered before they are written off.

Without OptimusWith Optimus
Settlement vs expectedOctober
Expected from processors$1,240,000Ledger
Received in bank$1,191,780Bank
Unexplained gap$48,220Written off
Gap explainedUnknown
Settlement vs expectedOctober · AI Recon Agent
Refund not netted$22,410Recovered
Timing difference$18,600Scheduled
Unapplied fee tier$7,210Claimed
Gap explained and resolved100%
03 / 06

Prevent Overbilling by Processors

10–25 bpssaved on total payment volume

Validate every fee against your merchant contracts. Optimus audits scheme fees, interchange and markup so you only pay what you agreed.

Without OptimusWith Optimus
Processor invoice auditBlended-rate invoice
Interchange feesSampled 5%
Scheme feesNot audited
Processor markupPaid as billed
Fee leakage caught< 10%
Contract vs billedLine-by-line audit
Interchange (100% audited)Exact match
Scheme fee varianceFlagged
Markup overcharge$14,320Credit requested
Overcharge recovered$14,320 this cycle
04 / 06

Win More Disputes, Keep More Revenue

40%improvement in dispute win ratesDispute Agent assembles evidence across systems in seconds

Dispute Agent pulls evidence across order, shipping, communication and settlement records. Evidence packs are compiled and submitted before deadlines expire.

Without OptimusWith Optimus
Dispute handlingManual evidence assembly
Gather gateway records30 mins
Pull shipping & proof of delivery45 mins
Format for processor portal20 mins
Submitted before deadline62%
Dispute Agent packAssembled automatically
Order + delivery + chat historyAuto-assembled
Processor-formatted packReady in 4s
Submission statusAuto-submitted
Win rate across chargebacks82%
05 / 06

Compress the Month-End Close

Day 1reconciliation ready, not Day 15

Continuous reconciliation turns the close from a month-end fire drill into an ongoing background process. Finance signs off, rather than catches up.

Without OptimusWith Optimus
Month-end closeStarts after the month ends
Month endBooks closed
Data prep
Reconcile
Review
Close
Month-end closeReconciled before the month ends
Month endBooks closed
Data prepAutomated
Reconcile
Review
Close
06 / 06

Enterprise Scale Without Headcount

3B+transactions processed across enterprise finance teams

Handle 10x volume growth without expanding ops headcount. Standardize reconciliation, fee management and reporting across every entity and market.

Without OptimusWith Optimus
Headcount vs transaction growthLinear team scaling
+50% transaction volume+4 ops hires
New payment processor2 months setup
New country launchCustom spreadsheets
Ops capacity utilized96% (at limit)
Optimus finance automationSub-linear ops growth
10x volume scaleZero new hires
New payment processorPre-built connector
New country launchAuto-mapped ontology
Ops capacity headroom70% available
Book a demo →
Proven at enterprise scale

What Changes When It Runs.

CustomerResultWhat changed
TilloTilloOne global source of truthPayment data from every source normalized across 40+ markets and 25 currencies, and reconciled in near real time.
DokuDoku100x faster settlement processingOver 300 million transactions a year, and merchants who once waited weeks for settlement are now paid on time.
T-MobileT-Mobile90% less time on manual processesThe payment back-office completely transformed and automated.
The platform

Four Capabilities. One Connected Workflow.

Reconciliation, payment intelligence, disputes and close all run on the same data, so the second problem you solve is easier than the first. Start where it hurts. Expand when it pays.

Start where it hurts. Expand when it pays.

Reconciliation

Match everything. Explain what does not match.

N-way matching across processor, bank, billing and ERP records in one pass, with AI agents investigating exceptions and routing what needs a human.

Explore Reconciliation →
N-way match run Running
ProcessorBankBillingERP
Auto-matched0%
ExceptionsRouted to reviewer

Payment Intelligence

The fee you were quoted is rarely the fee you paid.

Check every fee against agreed rates, at transaction level. Then act on the finding in the same system, instead of exporting it to a spreadsheet.

Explore Payment Intelligence →
Fee check · settlement batch Transaction level
Quoted rate1.90%
Rate paid1.90%
VarianceFlagged · evidence attached

Disputes

Build the dispute case from the reconciled record.

Every dispute starts with the evidence already attached. Chargebacks are linked to the original order, payment and fees.

Explore Disputes →
Chargeback · evidence attached 0 of 3
Original orderPaymentFees
Linked to reconciled recordReady for review

Financial Close

Reconciled data. Journals ready for review.

Connect reconciled transactions to accounting entries, identify gaps and prepare data for review.

Explore Financial Close →
0%
Close readiness
Reconciled dataDone
JournalsReady for review
Optimus AI agents

AI agents handle the legwork. Your team stays in control.

Working on the Finance Ontology, AI agents match transactions, chase down what does not match, validate fees against what was expected, and assemble dispute evidence. You set the permissions, the thresholds, and the approval rules.

Recon Agent

Every break traced, every difference explained.

Follows an exception through linked orders, captures, fees, settlement and bank records, then surfaces likely matches and the source evidence for review.

  • Works across related records
  • Explains breaks using your matching rules
  • Keeps your approval and the audit trail in the loop

Payment Intelligence Agent

Check what you paid against what was agreed.

Validates processing fees against negotiated terms across gateways, acquirers and networks, and flags anomalies with transaction-level evidence.

  • Fee validation at transaction level
  • Anomalies explained, not just flagged
  • Evidence ready for recovery

Dispute Agent

Every chargeback arrives with its evidence.

Links each chargeback to the original order, payment and fees on the reconciled record, and assembles the supporting evidence for your team to review.

  • Chargebacks linked to the source transaction
  • Evidence assembled from the reconciled record
  • Your team reviews before a case moves forward

Financial Close Agent

Reconciled data, ready for review and close.

Links reconciled activity to journals and ledgers, flags missing postings and prepares close-ready evidence for your team to approve.

  • Close-ready datasets
  • Validation before entries post
  • Traceable back to the source transaction

AI agents recommend the next step and act where permitted. Your team retains control through defined approvals and a complete audit trail.

Recommends: Matches, Causes, Corrections

Executes With Approval: Adjustments, Journal Entries, Recovery Cases

Never Posts Without an Approver Above Your Thresholds

Meet the AI agents →
Built for complex financial operations

Payment to close operations for enterprises. Payment rail to ledger operations for banks.

FOR

Merchants and Enterprises

Every sale traced to settlement, every fee checked, every close on reconciled data.
Sales to settlement to bank depositFee and interchange validationDisputesAccounting and close
Explore merchant solutions →
FOR

PSPs, Fintechs and Sponsor Banks

Know whose money you hold, and where it sits.
Settlement reconciliationMerchant payoutsFee and commission validationFBO balance validation
Explore PSP and fintech solutions →
FOR

Banks and Financial Institutions

Reconcile the rail. Resolve the break. Carry it into the ledger.
Nostro and cash reconciliationSettlement and clearing breaksPayment exceptionsShadow ledgers
Explore banking solutions →
How you get started

Start with one problem. Prove it on your own data.

1

Connect your sources.

[Time]

Bring in processor, bank, billing and ERP data through APIs, files and enterprise systems, with validation and lineage from the first load.

2

Map it on the canvas.

[Time]

Map records into one model and attach your matching rules, fee logic and controls, without an engineering project.

3

Run a scoped pilot.

[Time]

A pilot with named responsibilities, an agreed data set and success criteria set before anyone commits.

4

Expand when it pays.

[Time]

Add the next module on the same foundation, so the second problem is easier than the first.

Read the onboarding guide →Talk to our team →
For IT, security and data teams

Every action has a reason, a record and an owner.

Control you can show

You set the rules.

Permissions, thresholds, and approval rules are configured by your team.

Every action is on record.

Every agent action, match and approval is logged, attributable and reviewable.

Traceable to the source.

Any automated step can be traced back to the transaction that triggered it, for your auditor and your regulator.

PCI DSS badgePCI DSS 4.0
SOC 1 badgeSOC 1 Type II
SOC 2 badgeSOC 2 Type II
GDPR badgeGDPR

Enterprise controls, built in.

Keep the systems your teams rely on. Connect the records between them.

Optimus connects to the gateways, processors, banks and ERPs you already run. Keep your close tool where it is. Optimus reconciles the payment layer underneath, and hands close a clean set of books.

StripeStripe
ChaseChase
PayPalPayPal
WorldpayWorldpay
AdyenAdyen
VisaVisa
SAPSAP
OracleOracle
NetSuiteNetSuite
View all 150+

For Data Teams

Keep your warehouse. Stop maintaining finance logic. Finance-owned logic runs on top of your existing data, with export and lineage.

Visit the trust center →Browse all integrations →Read the integration docs →
Questions finance teams ask us

Before you book a call.

We already have an ERP or a close tool. Why another platform?

Keep it. Those tools start after the transaction data has been made trustworthy, and today that work is done by your team in spreadsheets. Optimus reconciles the payment layer underneath and hands your close tool a clean set of books.

We don't see much leakage. What is the value?

Leakage is only part of it. The case rests on three outcomes: eliminating manual work, full visibility into payment costs, and faster reconciliation and close.

Can we build this ourselves?

You can build the matching. The cost is owning changing file formats, exception workflows, fee logic, controls and audit forever. Keep your warehouse, and stop maintaining finance logic.

Does it sit inside our controls, or beside them?

Inside. Approval rules are yours, every action is logged and attributable, and the trail runs back to the source transaction.

Get to a zero-day close.

Tell us where it hurts: a settlement difference, a fee you cannot explain, a close that waits on data. Your first call covers your requirements, a product walkthrough and agreed next steps.

Book a demo

Tell us a little about your team and the problem you want to trace.

or
Take the product tour →