Reconcile payments across banks, gateways, and accounting systems
Find missing transactions, settlement gaps, and mismatches — without manual reconciliation or Excel.
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What you uncover in the first 30 days
- Missing payouts: gateway says settled, bank credit doesn’t match
- Unmatched Stripe or settlement lines against your bank statement
- Settlement gaps and timing drift between batch files and GL
- Fee discrepancies and revenue leakage vs what you expected
- Refunds and chargebacks recorded in one system but not the other
ALREADY CONNECTED TO EVERY SYSTEM YOU USE
Works with Emirates NBD, FAB, ADCB, Stripe, PayTabs, and other UAE payment systems. Browse all integrations
Your reconciliation process is breaking — you just can't see it yet
Payments move across gateways, banks, and accounting systems — and they don't always match.
The four patterns below are what we see most often when teams reconcile gateways against UAE bank feeds and books — illustrative of the gaps an audit surfaces first.
“Most finance teams don't trust their numbers — they just don't have proof something is wrong.”
What actually changes after ReconcileOS
No more unexplained payout gaps
- See gateway vs bank vs books in one place
- Catch unmatched lines before month-end
You close faster — with evidence
- Auto reconciliation on your rules
- Go live in days, not quarters
Numbers you can defend
- Audit trails for every match
- Exceptions routed before they snowball
Scale volume without scaling headcount
- Multi-entity and multi-gateway
- Less manual spreadsheet work
Fee and FX variance you can explain
- Fee discrepancies surfaced
- Settlement vs expected charges
Reporting that matches how you operate
- Periodic views finance actually uses
- Clean handoff to your ERP
From chaos to fully reconciled — in 3 steps
Most customers see results within 14 days
Connect
Configure
Reconcile
This is what your finance team should see every day
Not spreadsheets. Not guesswork. Just clarity.
Every mismatch is explained — not just flagged.
Built for companies using Network International, Checkout.com & UAE banks
You don't need a wall of logos to know whether a product understands settlements — you need a team that has lived inside payment rails. See integrations
Built for UAE banking reality
Teams reconciling Network International, Checkout.com, local acquirers, and AED corporate accounts — not a generic ledger demo.
Serious payment surface area
Designed for the mess of multi-gateway, multi-bank, multi-entity flows — where exceptions are the norm.
Engineering-first, not slide deck-first
Built by people who have shipped and operated real payment infrastructure — not a rebranded spreadsheet.
Latest insights & updates
Insights on reconciliation, payments, and finance operations.
UAE Payment Gateway Settlement Explained: APIs, Cycles & Reconciliation Challenges
Learn how payment settlement works in the UAE, including APIs, timelines, and why reconciliation breaks. A practical guide for finance and tech teams.
Reconciliation for Multi-Entity UAE Businesses (Group Finance Playbook)
Group finance reconciliation playbook for UAE multi-entity businesses: legal entities, bank-led workflows, GL from bank data, VAT & CT evidence, intercompany & multi-PSP control—with ReconcileOS.
When Your Settlement Doesn't Match: A Practical Troubleshooting Guide
Settlement mismatch troubleshooting for UAE finance teams: fix ERP vs gateway vs bank differences, timing, fees, refunds, FX & FTA records. Step-by-step 2026 guide with ReconcileOS.
Frequently asked questions
We have native integrations with Emirates NBD, First Abu Dhabi Bank (FAB), Abu Dhabi Commercial Bank (ADCB), Mashreq Bank, Dubai Islamic Bank, RAKBANK, Commercial Bank of Dubai, and Emirates Islamic. Custom integrations for other UAE banks are available on Enterprise plans.
Our 2-day setup is measured from when we receive your API credentials. Day 1 involves connecting your banks and payment gateways. Day 2 is for configuring matching rules and testing. Most clients go live by end of day 2.
Yes. ReconcileOS is fully compliant with UAE Central Bank requirements for financial data handling. We maintain SOC 2 Type II certification and our data centers are located in the UAE for data residency compliance.
Absolutely. Our matching engine handles AED, USD, EUR, and 50+ other currencies. We automatically apply Central Bank exchange rates and can match transactions with configurable FX tolerance thresholds.
Unmatched transactions are flagged as exceptions and routed to your configured workflow. You can set up auto-escalation rules, approval chains, and Slack/Teams notifications. Most clients see 99%+ automatic matching rates.
Yes. We integrate with major UAE delivery partners including Aramex, Fetchr, Careem Delivery, Talabat, Deliveroo, Noon, and SMSA Express. This is particularly useful for e-commerce businesses doing COD reconciliation.