Save time, reduce mismatches
Automate reconciliation across orders, payments, settlements, and accounting systems. Using AI-native matching, Payrails connects to PSPs and finance tools to cut closing time and reduce mismatches by up to 99%.
Take the pain away from reconciliation
Consolidate payment data, automate transaction reconciliation, and investigate discrepancies without relying on spreadsheets or siloed PSP data. Let your finance team have more time addressing real findings.
Unify and standardize data
Payrails unifies reconciliation data from multiple PSPs, financial systems through APIs, file uploads and data feeds. Settlement reports are collected automatically. Then, data gets transformed using a flexible interface, avoiding repetitive, time-consuming and error prone tasks.
Model real payment flows
Solve the complexity of real operations lifecycle, including retries, partial captures, refunds, chargebacks, deferred settlement, and multi-currency transactions.
Automate matching at scale
Orders, payments, and settlement records are matched using LLM-powered configurable rules. Reconciliation runs on recurring schedules, automatically pushing reconciled outputs to ERP systems and significantly reducing manual workload.
Built-in discrepancy detection
Payrails reconciliation agent identifies the mismatched values and surfaces them for review, using structured categories such as status differences, duplicate transactions, FX variances, or settlement timing issues.
Audit-ready collaboration
Investigate unreconciled transactions and update their statuses individually or in bulk. Add comments and context directly to transactions, ensuring full traceability within your team and making audits and reviews straightforward.
The operating system for profitable growth
Payrails helps businesses use payments as the foundation for more intelligent financial operations.
PSP-agnostic token vault
Store and route tokens across any PSP. Add or switch providers without migrating card data. Support pre-authorizations, incremental charges, and complex cancellation flows out of the box.
Explore the Token VaultConfigurable routing and retries
Route by issuer, country, method, amount, or cost. Run controlled experiments with new PSPs. Recover soft declines during traveler checkout with configurable retry logic and fallback providers.
Explore OrchestrationCost and performance optimization agent
Translate cryptic settlement line items into plain-language cost categories. Benchmark effective rates across PSPs, payment methods, regions, and entities for hospitality payments.
Explore Fee MonitoringTurn payments into profits
Grow smarter with AI-native payment optimization. Get a walkthrough tailored to your business, markets, and stack.
Recommended reading
Got questions?
Payment reconciliation is the process of matching internal transaction records with external settlement data from payment providers and banks. It ensures that orders, payments, refunds, and settlements align across systems.