| How matching works | Exact Match on reference + amount + status, plus Fuzzy Match at ±Rp 500 / ≤24h. Weight-based configurable rules with auto-balance and dry-run testing before anything goes live. | VLOOKUP against a reference column. Near-misses on amount or timestamp are found by eye, or not at all. | Whatever tolerance the original author hard-coded, changeable by whoever still understands the script. | Bank-statement-to-GL matching. Built for bank lines, not for PSP settlement files with per-merchant MDR deduction. | Shows that gateway's own transactions and settlements. There is nothing to match against — it is one side of the ledger. |
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| Indonesian sources it ingests | CSV, XLSX, XLS, fixed-width, and zipped statement files from any PSP, bank, or internal ERP, with per-source column-mapping profiles you configure once — upload, REST API pull, or webhook. | Whatever your analyst downloaded and pasted this morning. | The two or three formats it was written against. A fourth rail is a new project. | Bank statement formats via consultant-configured import. PSP settlement files usually need custom work. | Only its own. |
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| MDR handling | Per-merchant MDR rates applied automatically: Net = Gross − (Gross × MDR). Default 2%, customisable per merchant. | A formula column, copied down, occasionally to the wrong row. | Hard-coded, or a config file nobody has reviewed since the last rate renegotiation. | Not a native concept — modelled as a fee posting after the fact. | The gateway's own fee lines, on its own terms. |
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| What happens to a break | Auto-classified as Amount Diff, Date Diff, No Match, or Duplicate; routed to an exception queue with a split-panel review and an aging tracker that auto-escalates at 3 days. | A tab called "selisih" and a WhatsApp thread. | A log line and a follow-up someone has to remember. | An unreconciled-items report. Ownership and escalation are a process you run outside the system. | Not applicable — a break by definition involves a source the dashboard cannot see. |
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| Approval controls on money leaving | Maker-checker with multi-level approval. Batches above a per-tenant threshold escalate to CFO sign-off, and maker ≠ approver is enforced by the platform, not by policy. | Approval by email or WhatsApp screenshot. Segregation of duties exists in the org chart only. | Approval exists if someone built it — usually they did not. | Approval workflows exist, but the payout file is typically produced outside the module. | None — this is a reporting surface. |
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| Disbursement output | Approved batches export in bank-native format: BCA CSV, Mandiri MCC, BNI Direct Debit, or Generic CSV. | Hand-built payout file. This is where the digit gets dropped. | A generator that works until the bank changes its layout. | Payment file generation via a separate treasury/banking module, usually licensed separately. | Payouts follow the gateway's own settlement cycle. |
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| Audit trail and retention | Immutable timestamped log of every upload, approval, match override, and escalation, with platform-enforced statutory retention floors — 10 years for financial records, 5 years for audit, compliance, and PII, per UU 8/1997 and UU 8/2010 — and windows above the floor configurable per tenant. Reports (Daily Recon Summary, Settlement History, Exception Aging, Disbursement Batch) schedule as PDF, Excel, or CSV. | File versions on someone's laptop. Not an audit trail. | Application logs, until they rotate. | Strong GL-level audit; the reconciliation working papers are often still spreadsheets beside it. | Retention governed by the gateway's policy, not yours. |
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| Deployment and residency | Fully managed SaaS, live in the Straventa dashboard at dashboard.straventa.com, or on-premise inside your own infrastructure — on-premise engagements include a dedicated implementation team and SLA-backed support. | Local files, ungoverned. | Your infrastructure. | Vendor cloud or your data centre, depending on edition. | Vendor cloud. |
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| Pricing model | Flat Rp 1.500.000/mo (same at Starter and Growth). On-premise: contact us. Directional — billing not yet active. | "Free" — costing you three hours of a finance analyst every day. | Salaries, plus the bus-factor of one. | Per-user or per-module licence plus implementation consulting. | Bundled into the gateway's MDR. |
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