Sale, settlement and bank credit, matched three ways.
The AI Settlement Matcher links every bill to the payment that paid it, every payment to the settlement that carried it, and every settlement to the credit in your bank. It handles split settlements, netted fees, delayed batches and references that never line up, and it tells you exactly what is missing.
| Sale | Payment | Settlement | Bank credit | Confidence |
|---|---|---|---|---|
| Bill 4-88213 · ₹640 | UPI · UTR 3301… | Batch 28/10 · B | Cr 29 Oct | 99.6% |
| Bill 2-10442 · ₹1,180 | Card · RRN 8842… | Batch 0712 | Cr 29 Oct | 98.9% |
| Order D2-77120 · ₹412 | Platform payout | Week 43 payout | Cr 30 Oct | 97.2% |
| Bill 7-33019 · ₹2,450 | Card · RRN 1903… | Two batches | Cr 29 + 30 Oct | 81.4% |
| Outlet 4 · 28 Oct | UPI · 214 txns | Not received | - | Short ₹18,400 |
Inside AI Settlement Matcher
Three-way matching
POS bill to payment, payment to provider settlement, settlement to bank credit. A sale is only marked settled when all three agree.
Split and netted settlements
One bank credit covering many days, or one day paid in two batches, is broken down and matched line by line.
References that differ
When UTR, RRN or order IDs are missing or truncated, the matcher uses amount, time window, terminal and outlet patterns.
Confidence on every match
Each match carries a score and the reasons behind it. You set the threshold for automatic approval.
Review queue
Uncertain matches wait for a person. Every confirmation teaches the matcher your outlets and providers.
Short and missing money
Days with sales but no settlement, settlements lower than collections and credits that never reached the bank.
Four steps, every morning.
Rules first
Exact matches on UTR, RRN, order ID and batch number are cleared instantly.
AI for the rest
Remaining lines are matched on amount, time, outlet, terminal and the habits of each provider.
Scored and explained
Every match shows its confidence and why. Low-confidence matches go to review.
Exceptions raised
Anything still open becomes a flag with the amount, date, outlet and provider attached.
What the matcher flags
- Settlement short by an amount or by whole days
- Bank credit lower than the settlement report
- Payments collected but missing in the POS
- Bills marked paid by card or UPI with no payment
- Duplicate settlement of the same transaction
- Platform payouts with unexplained deductions
- Reconciliation software only. It never holds or moves money and uses read-only access.
- AI matches carry a confidence score. Unclear matches go to your accounts team.
- Claims and disputes are drafted for you to send. Outcomes depend on providers' terms.
- Card numbers are never stored, only masked references from providers.
- Data is encrypted and never sold.
About AI Settlement Matcher
How accurate is the matching?
Merchants with clean POS data usually see over 99% of lines matched automatically. The rest are scored and sent to review, never guessed silently.
Can we change the confidence threshold?
Yes. Set it per provider or per outlet. Many teams start high and lower it after the first month of reviews.
Does it learn from our corrections?
Yes. Confirmed and rejected matches update how the matcher treats your providers, terminals and outlets.
The counter is quiet. Every dot is green.
Reconcile your first month free. One month of payments, up to 3 outlets, every feed connected.