Trusted by finance teams across Nigeria

Your financial records, finally in agreement.

Concordē automatically reconciles transactions across payment providers, bank accounts, and internal systems — flagging every discrepancy before it becomes a problem.

932,814 Transactions reconciled
98.09% Auto-match rate
₦50.9B Value reconciled
Settlement reconciliation May 1 – 9, 2026
PS
FLW-9282822
Flutterwave · Internal
₦150,000 Matched
PK
PS-TX-82991A
Paystack · Bank
₦47,500 Matched
MN
MNF-00019283
Monnify · Internal
₦89,000 Partial
PT
PTZ-CX-773821
Paystack · Provider
₦22,750 Exception
98.09% match rate
Last 30 days
17,815 exceptions
Pending resolution
Full audit trail
Every transaction logged

Reconciliation breaks at every seam.

Finance teams spend hours every week closing gaps that should never have opened.

01
Fragmented data, no single truth

Transactions live across provider APIs, bank statements, and internal systems — each with different identifiers, formats, and timestamps. Matching them manually is slow and error-prone.

02
Internal records are often incomplete

Provider references get buried in description fields. Amounts are stored in mixed units. Duplicate events slip through. The data your system records is rarely the data you need for reconciliation.

03
No visibility into what's wrong and why

When a mismatch is found, there's no clear owner, no resolution workflow, and no audit trail. Exceptions accumulate until someone manually investigates each one.

From raw data to clean ledger.

Six automated stages, zero manual intervention for 98%+ of your transactions.

1
Connect your providers
Add API keys for Paystack, Flutterwave, Monnify, and others. Keys are stored encrypted in Secret Manager — never in our database.
2
Ingest bank statements
Statements arrive via email, SFTP, or upload. Our parser handles PDF, CSV, and Excel — even messy narration-only formats.
3
Normalize internal records
The AppsLevel SDK enforces a structured event schema. For existing data, our AI extraction engine recovers references buried in description fields.
4
Auto-match transactions
Three matching passes: exact reference match, derived reference extraction, then fuzzy match using amount tolerance, time window, and narration similarity.
5
Investigate exceptions
Unmatched transactions are auto-classified and routed to the right team as structured tasks with full context — no hunting for information.
6
Maintain a clean ledger
Every resolved transaction writes a verified entry to your financial ledger. Full audit trail, zero gaps.
Live reconciliation
Internal
ref: FLW-9282822
Provider
FLW-9282822
✓ Exact match Confidence 100%
Bank narration
"NIP FRM FLW-8812 JOHN"
Extracted
ref: FLW-8812
✓ Derived match (NLP) Confidence 96%
⚠ Exception routed → Recon Team Task #4821

Everything reconciliation demands.

Built for finance teams that cannot afford gaps, delays, or guesswork.

Three-pass matching engine

Exact reference match first, then NLP-derived extraction, then fuzzy match with configurable tolerances. 98%+ auto-reconciliation before a human ever gets involved.

Structured exception workflows

Unmatched transactions become tasks, auto-classified and routed to the right team. Full comment threads, status tracking, and resolution audit trail built in.

AI narration parsing

Our NLP engine extracts structured references from free-text bank narrations. "NIP FRM FLW-9282 JOHN" becomes a matched Flutterwave transaction automatically.

Multi-provider support

Native connectors for Paystack, Flutterwave, Monnify, Mono, Graph, Piggyvest Business, and NIBSS — with Korapay, Fincra, OPay, Paga, Remita, SeerBit, Squad, PalmPay, and Arca on the way. New providers added without engineering effort on your side.

Bank statement ingestion

Upload PDF, CSV, or Excel statements. Set up automatic ingestion via email or SFTP. No manual download steps, no reformatting — just plug it in.

Real-time observability

Live dashboards for reconciliation rate, unmatched volume, connector health, and task SLAs. Alerts via Slack or email the moment something breaks.

Works with providers you already use.

Connect in minutes. No code changes needed on the provider side.

Payment providers

Paystack
Flutterwave
Monnify
Graph
Mono
Piggyvest Business
NIBSS
Korapay
Fincra
OPay
Paga
Remita
SeerBit
Squad
PalmPay
Arca Payments
+ More coming

Banks supported

Access Bank
GTBank
Zenith Bank
First Bank
UBA
Stanbic IBTC
All major Nigerian banks
98%+
Auto-reconciliation rate
<10 min
Onboarding per business
₦50B+
Value reconciled
<5%
Manual intervention required

Ready to reconcile?

Join finance teams using Concordē to close their books faster, catch discrepancies earlier, and spend less time on manual reconciliation work.