Reconrails is the reconciliation infrastructure for modern banks, fintechs, and card schemes. Automate transaction matching, resolve exceptions in real time, and maintain a tamper-evident audit trail — all in one platform.
Trusted by financial institutions across Africa
Core Capabilities
One platform connecting M-Pesa, core banking, SWIFT, and card scheme data with intelligent matching that never sleeps.
Our engine compares M-Pesa receipts against core banking journals and card scheme files with 98.9% auto-match accuracy — no manual spreadsheets.
Breaks are auto-classified by type — amount mismatches, duplicates, unmatched entries — with SLA timers and severity scoring so your team knows what to fix first.
Compute net positions per payment rail in seconds. Know exactly what you owe and what you're owed before your settlement window closes.
Every write-off, refund, or adjustment goes through a dual-control approval chain. Full compliance with CBK, RBA, and Basel III operational risk requirements.
Real-time visibility into every data ingestion pipeline. Detect stale feeds, missing files, or connector errors before they become reconciliation failures.
Every action is logged in a cryptographically chained audit trail. Auditors and regulators get instant, verifiable proof — no more manual audit packs.
The Process
Ingest M-Pesa statements, core banking CSV exports, SWIFT MT940 files, or any card scheme format via secure connectors.
Our multi-pass matching engine pairs transactions by reference, MSISDN, amount, and date — achieving 98.9% straight-through processing.
Remaining breaks are auto-classified and routed to the right team with context, SLA timers, and a maker-checker approval workflow.
Generate regulatory reports, settlement advices, and daily close packs — all signed with a tamper-evident audit chain.
The Platform
A clean, purpose-built interface that surfaces what matters — match rates, open breaks, settlement positions — without overwhelming your reconciliation team.
What our customers say
We were doing end-of-day reconciliation with three people and a spreadsheet. With Reconrails, we close the books before 10am — fully automated, zero manual intervention.
The M-Pesa to ledger matching is exceptional. We process 2 million transactions a day across paybill and C2B — Reconrails handles it without breaking a sweat.
Our external auditors specifically praised the tamper-evident audit log. We passed our CBK inspection with zero reconciliation findings for the first time in five years.