Now in private beta · Built for ₹5Cr–₹50Cr startups

Reconciliation You Can Explain.

Close books faster by automatically matching transactions, surfacing exceptions, and providing audit-ready evidence for every decision.

• No implementation fee• Read-only integrations• Enterprise-ready security
Match Evidence Preview
Awaiting Review
Bank Statement PayoutSettled (Auto-Feed)

Razorpay Settlement

Ref: rzp_pay_9912a_sett
Timestamp: 18-Jun-2026 11:24:02 IST
Routing: HDFC Current A/C · Owner: RJ

Settlement Amount
₹11,600.00
Matched Records
INV-8821 (Razorpay-Web)₹5,600.00
INV-8822 (Razorpay-Web)₹6,400.00
Gateway Fee (Difference)-₹400.00
⚠️ Warning: ₹400 difference detected. Auto-allocated to Stripe/Razorpay Fees (A/C #4421).
Net Ledger₹11,600.00
Evidence StrengthStrong
Amount Match (₹11,600 vs ₹11,600)
Date Match (Within 1 day lag)
Reference Match (INV-8821/22)
Suggested Resolution:Fee Entry
Confidence: 96%Audit code: AC-9912
CHAPTER 01|Reconciliation Failure Modes
File: RF-FMOD  ·  Status: Reviewed

Spreadsheets can't solve fintech math.

Most discrepancies aren't errors — they are standard transaction attributes that confuse basic matching tools.

Gateway Fees

₹10,000 payout vs. ₹9,600 received

ReconFlow identifies the missing ₹400 fee automatically using pre-built gateway models.

Bulk Settlements

4 invoices vs. 1 payout

ReconFlow automatically groups and bundles multiple invoices to match aggregate settlements.

Timing Delays

Invoice on Monday vs. Settlement on Wednesday

ReconFlow understands clearing lags and standard bank processing windows in India.

CHAPTER 02|The Trust Architecture
File: RF-ARCH  ·  Status: Approved

Built for auditors, trusted by CFOs.

ReconFlow is engineered to deliver institutional-grade safety, giving you complete visibility into every entry before it hits your ledger.

Explainable

Every match includes evidence.

Shows exact amount matches, clearing delays, and reference matching scores. No black box guesses.

Controlled

Nothing updates without approval.

Nothing touches the ledger without human sign-off. Approve suggestions with one click, or write custom adjustments.

APPROVED
18 JUN 2026

Audit-Ready

Every decision includes a complete audit trail.

Every approval records: who approved it, when it was approved, and the exact evidence that was reviewed.

AUDITED
18 JUN 2026
CHAPTER 03|Philosophy & Exceptions
File: RF-PHIL  ·  Status: Reviewed

Review exceptions.
Ignore the easy stuff.

Most reconciliation systems require you to check every transaction manually. ReconFlow does the matching in the background, only surfacing the exceptions on your dashboard.

Imported
1,000
Transactions
Auto-Matched
950
Cleared automatically
Review
50
Exceptions to review
95%+

transactions auto-matched on day one

Every match

includes a complete, audit-ready evidence trail

Human approval

required before any changes are written to ledger

CHAPTER 04|The Resolution Engine
File: RF-DSB  ·  Status: Operational

Every exception, explained.

Legacy tools tell you it's mismatched. ReconFlow tells you it's a Stripe wire fee of ₹400 — and offers a one-click resolution.

Reconciliation Queue

14 Pending
Date & Ref
Amount
Evidence Trail
Action
18 Jun
INV-0184
₹ 1,45,000
Exact Match

100% confidence. Amounts and dates align perfectly.

18 Jun
SUB-0991
₹ 11,600
Suggested Match

Short ₹400. Identified as standard gateway fee.

17 Jun
WIR-2210
+ ₹ 120
Unmatched

No matching invoice found in last 30 days.

CHAPTER 05|Matching Protocol
File: RF-PROC  ·  Status: Verified

Four steps. Zero spreadsheets.

01

Connect

1-click OAuth to Stripe, QuickBooks, Tally, and your bank. Read-only access. Live in an hour, not six months.

02

Matches identified

Exact, fuzzy, and bulk matching — handles partial payments, FX deltas, and wire fees automatically.

03

Review exceptions

Only what the engine couldn't confidently match lands on your dashboard, with evidence and a suggested fix.

04

You approve

Nothing touches your ledger until a human clicks Approve. ReconFlow is the assistant, you stay in control.

CHAPTER 06|System Comparison
File: RF-COMP  ·  Status: Evaluated

Legacy tools were built for audit firms. We're built for your CFO.

Manual & Excel
ReconFlow
Time spent
3 days per month-end
3 hours
Reconciliation flow
Spreadsheet hunting
Evidence panel
Fee tracking
Manual fee tracking
Auto-detected
Review process
Review everything
Review exceptions only
Audit trail
Excel overrides (unlogged)
Every decision is audit-ready
CHAPTER 07|Connectivity Graph
File: RF-CONN  ·  Status: Connected

One hub. Every source of truth.

Direct, native connections — no Plaid middlemen, no brittle CSV pipelines. ReconFlow speaks each platform's API natively.

S
Stripe
Payments & payouts
qb
QuickBooks
Accounting ledger
ReconFlow
Hub
T
Tally
ERP & GST
R
Razorpay
UPI & cards

+ HDFC · ICICI · Axis · Kotak · 40 more banks via direct feeds

CHAPTER 08|Program Agreement
File: RF-PRIC  ·  Status: Open

Founding Customer Program

We are selecting 10 early design partners to co-build the future of Indian bank reconciliation. Lock in foundational pricing and work directly with our engineering team.

Beta Cohort Open

Design Partner Pilot

Co-build ReconFlow with us

Free PilotNo implementation or software fees during beta

We work alongside your finance team to map your charts of accounts, connect bank feeds, and configure settlement fee logic.

Program Perks
  • Unlimited transaction volume
  • Custom Tally / QuickBooks connectors
  • Direct WhatsApp/Slack with founding team
  • 50% lifetime discount on launch pricing
Have custom requirements, multi-entity accounting, or special ERP constraints?  Talk to the founders directly →
CHAPTER 09|Risk & Security Audit
File: RF-SECR  ·  Status: Certified

Your bank doesn't trust just anyone. Neither should you.

Read-only

We never write to your bank without you

SOC 2

Type I in progress, Type II by Q4

Hosted in India

Secure cloud · DPDP-aligned

Human-approved

AI suggests, your accountant ships

Pilot Results

50,000+

Transactions handled during testing and early beta operations.

Detected Anomalies

Auto-Identified

Instantly flags missing gateway fees, bulk payout bundles, and clearing delays.

Target Cohort

Built for India

Tailored specifically for finance operations using Stripe, Razorpay, QuickBooks, and Tally.

Close your books in hours, not days.

Join the finance teams who reclaimed their month-end. Live demo in 30 minutes — bring one real bank statement and we'll match it on the call.

No credit card · No procurement cycle · Pilot in a week