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AI & Intelligence · AI ReconciliationAI Reconciliation matches settlements against transactions automatically and surfaces only the genuine exceptions — so your team spends its time resolving problems, not ticking off matches.
Paynancial AI Reconciliation matches settlements against transactions automatically and surfaces only the genuine exceptions for a person to resolve. It builds on the settlement records, refunds and reconciliation views already in Paynancial, and resolving exceptions and closing the books stay with your team.
Most reconciliation work is confirming things that already match. The value is in the handful that do not — a short settlement, a refund against the wrong payment, a duplicate. AI Reconciliation is built around that: match automatically, and surface only the genuine exceptions.
It works on the same foundation as Paynancial's reconciliation today — every transaction tied to a settlement record, every refund issued against its payment — and leaves resolving exceptions and closing the books with your finance team.
Transactions, settlements and refunds are recorded as they happen.
Settlements are matched against the transactions they cover.
Only the genuine exceptions are surfaced.
Your team resolves each exception.
Reconciled results feed your reports.
AI Reconciliation is not a separate system — it runs through the products and tools you already use.
| Where | What you get |
|---|---|
| Reconciliation | Payments, refunds and settlements matched in one place. See Reconciliation. |
| Settlements | What has settled and what is pending. See Settlements. |
| AI Governance | How oversight and audit work. See AI Governance. |
A plain-language guide to the frameworks that apply. It is general information, not legal advice, and not a statement of Paynancial's own licences or authorisations.
Sets the time within which failed digital transactions — for example, a customer debited without the merchant being credited — must be reversed or resolved across authorised payment systems such as UPI, cards and IMPS, and the compensation due to the customer when that time is missed.
RBI's framework for payment aggregators — businesses that collect payments on behalf of merchants — covering authorisation, merchant due diligence, how merchant funds are held and settled, and grievance handling. Payment gateways are treated as technology providers.
An RBI framework for the responsible and ethical enablement of AI in financial services, centred on governance, accountability, fairness, transparency, consumer protection and managing AI risk.
India's law on processing digital personal data — including the personal data in payment records — based on consent, purpose limitation and security safeguards.
Regulators update these rules by circular, so always check the current text at the source: Reserve Bank of India · NPCI. For Paynancial's own security and compliance posture, see the Trust Center.
Order, invoice or booking IDs make matching and exceptions easy to read.
Small, recent exceptions are quicker to resolve than a month's backlog.
Every match and exception is traceable to the rule behind it.
An AI capability that matches settlements against transactions automatically and surfaces only the genuine exceptions for a person to resolve.
Paynancial already ties every transaction to a settlement record and reconciles collections automatically. AI Reconciliation focuses on matching settlements to transactions and surfacing only the exceptions.
Your team. Resolving exceptions and closing the books stay with people.
It is available on request. Ask our team whether it is available for your business.
Tell us how your business takes and moves money, and we will show you how it fits.
Discuss your payment and financial infrastructure requirements.