The Complete Payment Reconciliation & Settlement Platform
Automate your daily reconciliation in seconds. Manage settlement queues, run maker-checker disbursements, resolve exceptions with aging tracking, and give your CFO a real-time approval dashboard — all in one platform.
Six modules. One platform.
Every step of the payment operations lifecycle — from raw CSV upload to CFO approval — handled in a single workflow.
Reconciliation Engine
CSV/API ingestion from all major Indonesian gateways and banks. Exact Match + Fuzzy Match (±Rp 500, ≤24h) with per-merchant MDR deduction applied automatically.
Settlement Queue
Priority-ordered list with SLA badges (On Time / Due Today / Overdue), budget cap auto-fill, and one-click bulk approve to create a disbursement batch.
Disbursement Batches
Maker-checker workflow with multi-level approval. Batches ≥ Rp 50M require CFO co-sign. Export to BCA CSV, Mandiri MCC, BNI Direct Debit, or Generic CSV.
Exception Management
Auto-classify mismatches by type (Amount Diff, Date Diff, No Match, Duplicate). Split-panel review, aging tracker with auto-escalation at 3 days.
Liquidity Dashboard
Role-specific KPI cards for Analyst, Finance Manager, and CFO. 14-day settlement obligations chart, top merchant exposure table, and recent activity feed.
Audit Trail & Reports
Every upload, approval, match override, and escalation logged immutably. 7-year retention per OJK PBI. Schedule PDF, Excel, or CSV reports automatically.
See it in action
Real screenshots from recon.straventa.com — click each module to explore.
Real-time KPI cards (Recon Health, Funds Held, Due Today, Exceptions), 14-day settlement obligations chart, and exception aging summary — role-specific for Analyst, Finance Manager, and CFO.
Open full platformFrom CSV upload to bank transfer — end to end
Data Ingestion
Upload CSV/XLSX or pull via API from Midtrans, Xendit, BCA, Mandiri, BNI, BRI, or your internal ledger. Up to 50MB per file.
Automated Matching
The engine runs Exact Match (reference + amount + status) and Fuzzy Match (±Rp 500, ≤24h), then deducts MDR per merchant.
Exception Queue
Unmatched transactions are auto-classified (Amount Diff, Date Diff, No Match, Duplicate) and routed to the exception queue with aging tracking.
Settlement Queue & Batch
Matched items enter the priority-ordered settlement queue. Analysts create batches; Finance Managers approve (CFO required for ≥ Rp 50M).
Disbursement & Audit
Approved batches export in bank-native format (BCA, Mandiri, BNI) and every action is written to the immutable 7-year audit log.
Out-of-the-box integrations
Connect your existing payment gateways and bank accounts. Import and export in native formats.
Custom integrations available via REST API + webhook. See developer docs →
Built for every role in your finance team
Run recon in 30s, not 3 hours
Upload your daily CSV, get match results instantly. Exceptions are auto-classified and queued — no more manual Excel lookups.
Single view of cash position
See total funds held, due-today obligations, and settlement queue in one dashboard. Override holds, approve batches, and track SLA without switching tabs.
Approve with full context — no WhatsApp
High-value batches surface with complete batch details and audit history. Co-sign directly in the platform. Every action timestamped and non-repudiable.
Key Features
Everything your finance operations team needs, nothing it doesn't.
Automated Reconciliation Engine
CSV/API ingestion with exact + fuzzy matching and MDR deduction.
Settlement Queue
Priority ordering, SLA badges, budget cap auto-fill, bulk approve.
Disbursement Batch Management
Maker-checker workflow, bank-native export formats (BCA, Mandiri, BNI).
Exception Management
Auto-classify, aging tracker, split-panel review, auto-escalate at 3 days.
Liquidity Dashboard
Role-specific KPIs, 14-day settlement chart, merchant exposure table.
Audit Trail
Immutable logs retained for 7 years per OJK. Every action traceable.
Configurable Matching Rules
Weight-based rule engine with Exact, Fuzzy, and custom tolerance. Dry-run testing.
MDR Auto-Calculation
Per-merchant MDR rates. Net = Gross − (Gross × MDR). Fully customizable.
Dual Approval Workflow
Batches ≥ Rp 50M require Finance Manager + CFO. Maker ≠ approver enforced.
Role-Based Access Control
Separate views and permissions for Analyst, Finance Manager, and CFO.
Reports & Scheduling
Daily Recon Summary, Exception Aging, Disbursement Batch — PDF, Excel, or CSV.
Multi-Gateway Integrations
Midtrans, Xendit, BCA, Mandiri, BNI, BRI, and internal ERP with webhook support.
Built for Indonesian regulations
SaaS or On-Premise
The Reconciliation Engine is available as a fully managed SaaS — already live at recon.straventa.com — or as an on-premise deployment inside your own infrastructure.
On-premise deployments include a dedicated implementation team and SLA-backed support.
Ready to automate your financial operations?
Join fintechs and banks across Indonesia who trust Straventa for their compliance and risk operations.