AI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Financial Operations · ReconciliationEvery transaction is tied to a settlement record, collections reconcile automatically, and discrepancies surface clearly — so month-end stops being a spreadsheet exercise.
Paynancial ties every transaction to a settlement record, reconciles each collection automatically against the customer and cycle it belongs to, and shows payments, refunds and settlements side by side in Payment Analytics — with discrepancies surfaced clearly and reports you can export or schedule.
Reconciliation is matching what you expected to be paid with what actually arrived — each payment to its order, each refund to its payment, and each settlement to the transactions it covers.
Paynancial builds reconciliation into the records themselves. Every transaction is tied to a settlement record, every refund is issued against its payment, and every collection is matched to the customer and cycle it belongs to — so reconciling is reviewing, not rebuilding.
Every transaction, settlement and refund is recorded as it happens.
Each transaction is tied to a settlement record; each collection to its customer and cycle.
Reconciliation views show payments against settlements and refunds in one place.
Discrepancies surface clearly so they can be resolved.
Export reports or schedule them for your finance team.
Reconciliation is not a separate system — it runs through the products and tools you already use.
| Where | What you get |
|---|---|
| Payment Analytics | Reconciliation views, discrepancies and reports. See Payment Analytics. |
| Smart Collections | Automatic reconciliation of every collection cycle. See Smart Collections. |
| Webhooks | Payment, refund and settlement events to reconcile in your own systems. See Webhooks. |
| AI Reconciliation | Exception-first matching. See AI Financial Agents. |
A plain-language guide to the frameworks that may apply. General information only. Not legal, tax, financial or regulatory advice. It is not a statement of Paynancial's own licences or authorisations.
Covers the time within which failed digital transactions — for example, a customer debited without the merchant being credited — are expected to be reversed or resolved across authorised payment systems such as UPI, cards and IMPS, and compensation 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.
Covers how authorised payment system operators and participants offer customers an online, rule-based way to raise and resolve disputes and grievances about digital payments.
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.
An order, invoice or booking ID as the receipt makes matching straightforward.
Small, frequent reconciliation keeps discrepancies small and recent.
Let the matching run automatically and spend your team's time on what does not match.
Payments against settlements and refunds. Every transaction is tied to a settlement record, and every collection is matched to the customer and cycle it belongs to.
Collections are reconciled automatically against the customer and cycle they belong to. Reconciliation views in Payment Analytics show payments, refunds and settlements side by side, with discrepancies surfaced clearly.
Yes. Export reports, or use payment, refund and settlement webhooks to update your own systems as things change.
An AI capability that matches settlements against transactions and surfaces only genuine exceptions for a person to review. Ask our team about availability.
Tell us how your business takes and moves money, and we will show you how it fits.
Discuss your payment and financial infrastructure requirements.
