Recon Agent
Payment Reconciliation Software That Starts with Trusted Financial Data
Optimus Recon Agents are payment reconciliation software that continuously connects, standardizes and validates data across processors, banks, ERPs and operational systems. They reconcile it at scale and resolve exceptions autonomously, so Finance works with close-ready data instead of fragmented source files.
576M+ Transactions Per Day
Improve Settlement TAT by 100x
Start with trusted inputs
Standardized and validated data reduces false exceptions.
Reconcile continuously
Don't wait until month-end to discover reconciliation breaks.
Resolve what matters
Surface meaningful financial exceptions instead of data-format problems.
Create close-ready datasets
Turn reconciled transactions into a reliable foundation for financial close.
Reduce Chargebacks
Eliminate the guesswork out of chargeback management with powerful ML-based models for ticketing, deep-dive analyses and improving overall win rates.
Eliminate Write offs
Automatically detect and resolve revenue leakages before they turn into monthly, quarterly, or annual write-offs.
Resolve Exceptions Faster
Quickly find missing payments, assess the impact of issues and resolve customer questions before they turn into chargebacks.
Improve Team Productivity
Reduce the time spent on your reconciliations by at least 75% with automated payment reconciliation software. Swap spreadsheets for end-to-end automation and give your people more time to focus on what matters most.
Ensure Audit Readiness
Complete audit trails and tailored regulatory reporting help you achieve compliance and stay audit-ready.
Improve Operational Efficiency
Proven cost reduction for existing operations and lower investment as operations scale.
Branch-Wide Synchronization: Reconcile transactions across branches for cohesive reporting.
Automated Exception Management: Detects and resolves mismatches promptly for consistent financial integrity.
Configurable Matching Rules: Streamline reconciliation with custom matching rules that reduce manual efforts. Optimus ensures precision and scalability in bank reconciliation, adapting to complex transaction needs.
1. Connect Data Sources
Connect payment gateways, banks, PSPs, ERP systems, billing platforms, and internal ledgers to create a unified N-way reconciliation workflow. Automatically ingest transaction data through APIs, SFTP, or secure file uploads for seamless reconciliation. Consolidate payment data from different processors into one place, without manual entry.
2. Intelligent Transaction Matching
Our AI payment reconciliation software automatically matches and reconciles transactions using configurable business rules and AI-powered matching. Validate payment records across multiple systems to improve reconciliation accuracy and eliminate manual effort.
3. Automated Exception Management
Our payment reconciliation software can automatically match transactions and flag discrepancies without manual work. It detects unmatched transactions, missing settlements, fee discrepancies and reconciliation breaks automatically. Route exceptions to the appropriate teams through configurable workflows for faster investigation and resolution.
4. Reporting & Operational Insights
Monitor reconciliation status, settlement trends, unmatched transactions and operational KPIs through real-time dashboards and scheduled reports. As payment reconciliation software with real-time reporting, Optimus shows settlement status before cash hits your account while supporting audit readiness and informed decision-making.
Why Choose Optimus for Autonomous Payment Reconciliation Operations
Modern payment operations require more than automated matching. Optimus delivers autonomous payment reconciliation operations with AI-powered workflows that investigate exceptions, retrieve data across connected systems, enrich transaction records, and orchestrate corrective actions. The result is faster reconciliation, reduced manual effort, stronger financial controls, and greater operational efficiency.
From Spreadsheets to Intelligent Automation
Move beyond spreadsheet-based processes with payment reconciliation software that reduces manual entry, an AI-powered reconciliation platform built for scale. Where manual transaction matching leaves room for error, Optimus applies intelligent transaction matching to reconcile records accurately and consistently, significantly improving reconciliation accuracy across every payment source.
From Reactive Firefighting to Automated Resolution
Time-consuming exception handling slows finance teams down and delays financial close. Optimus replaces manual follow-ups and investigations with automated exception management and workflow-driven case management, routing discrepancies to the right teams and resolving them faster, so reconciliation and financial close happen on schedule instead of at the end of a long manual chase.
From Blind Spots to Complete Financial Visibility
Limited visibility into reconciliation status makes it difficult to trust your numbers or your audit trail. Optimus delivers real-time dashboards and reporting alongside complete audit trails and compliance support, giving finance teams the visibility they need to close books with confidence and stay audit-ready year-round.
Built to Scale, Built to Save
Growing transaction volumes shouldn't mean growing headcount. While manual processes struggle to scale, Optimus scales effortlessly with increasing payment volumes, reducing reconciliation costs through automation and freeing finance teams to focus on higher-value work instead of higher operational costs.
Frequently Asked Questions About Payment Reconciliation Software
How do you reconcile financial data or statements?
Collect records from every source, standardize them, match transactions with set rules, then investigate and resolve the differences before closing the period.
What are the steps in the financial reconciliation process?
Connect data sources, standardize and validate data, match transactions, manage exceptions, then report on reconciliation status.
What is the financial reconciliation process?
Financial reconciliation compares records across systems, such as processors, banks and the ERP, to confirm that balances and transactions agree.
What is payment reconciliation in accounts payable?
It matches outgoing payments against invoices and bank records to confirm each supplier payment was correct, complete and recorded.
What are the challenges of payment reconciliation?
High volumes, many payment sources, inconsistent data formats, timing differences, fees, refunds and chargebacks make manual matching slow and error-prone.
What are the Benefits of Financial Reconciliation?
Accurate books, earlier detection of revenue leakage, fewer write-offs, faster close and stronger audit readiness.
When do we need to perform the Financial Reconciliation process?
High-volume businesses benefit from continuous or daily reconciliation rather than waiting until month-end to find breaks.
Why Optimus Fintech for the Financial Reconciliation process?
Optimus Recon Agents connect and validate data across processors, banks and ERPs, reconcile it continuously at scale and resolve exceptions autonomously.
How does payment reconciliation software pricing work?
Payment reconciliation software pricing usually depends on transaction volume, the number of data sources and the modules you need. See the pricing page, or request a demo for a quote based on your volumes.
What is the best payment reconciliation software for fintech companies?
The best payment reconciliation software for fintechs handles high volumes, connects many PSPs, banks and ERPs, matches transactions automatically and resolves exceptions. Optimus processes 576M+ transactions per day.
Which payment reconciliation software shows real-time settlement status?
Optimus gives real-time dashboards and scheduled reports on reconciliation status, settlement trends and unmatched transactions, so you can see settlement status before cash hits your account.
Can payment reconciliation software automatically match transactions and flag discrepancies?
Yes. Optimus matches transactions with configurable rules and AI, then automatically flags unmatched transactions, missing settlements, fee discrepancies and breaks, and routes them to the right team.
You can reach us at:
1700 Montgomery St, San Francisco, California 94111
6470 E Johns Crossing Suite 160, Johns Creek, GA 30097
Copyright © 2026 Optimus. All Rights Reserved.
