Detects discrepancies up to R$ 0,50

Reconciliation with a High Automation Rate — Goodbye Spreadsheets

White-label technology that lets your client reconcile payments without knowing we are behind it.

Deliver automatic reconciliation 24/7 as a native feature of your platform. High automatic match rate, intelligent alerts and dashboards — all under your tenant's brand.

See Demo Read the Case Study →

9 checks

Check types

2 modules

Balance + Reconciliation Checks

Phantom

Automatic detection

Adjustments

MDR, direct, financial

Balance

Local vs Acquirer

✓ Batch of 5 merchants

Reconciliation Checks

9 CHECKs

MDR, Phantom, Status...

Adjustments

3 types

⚠️ MDR, direct, financial

check_reconciliation.sql

SELECT * FROM transactions
WHERE ABS(amount - gateway_amount) > 0.50
  AND created_at >= CURDATE()

Before vs. After

From 4 Hours to 15 Minutes

Without Our Technology

Export transactions to Excel
Download gateway reports manually
Compare line by line (VLOOKUP)
Hunt for discrepancies by hand
4 hours per day of manual work
Human errors go unnoticed

With Ezcale (under your brand)

System fetches transactions automatically
Download reports via API/webhook
Compare amount vs. gatewayAmount (SQL)
Alert only on discrepancies
15 minutes per day (exceptions only)
High automatic reconciliation rate

How It Works

Two Complementary Modules

Balance reconciliation + financial reconciliation checks with 9 check types

Balance Reconciliation

Compare the internal balance with the acquirer's balance per merchant. Batch of 5 merchants simultaneously, with a real-time progress bar.

Local Balance vs. Acquirer Balance

↓ Discrepancy table with suggested resolutions

Financial Reconciliation Checks (9 Checks)

MDR, Phantom, Status Divergent, Unapproved, Missing Local, Inconsistent, Third Party, Boleto, Strange — each detects a type of anomaly.

9 automated check types

↓ Detect phantoms, incorrect MDR and status discrepancies

Intelligent Resolutions

4 resolution types: temporal_lag (timing), bank_payment (bank payment), rounding (rounding), partial_match (partial match).

Automatic discrepancy classification

↓ Suggested resolution based on the detected pattern

Adjustments and Corrections

3 adjustment types: MDR (two-dimensional — ledger + source field), direct (reclassify, redate, compensate) and financial. Phantom: scan, refund and batch reversal.

MDR | Direct | Financial Adjustment

↓ Correction applied with traceability in the ledger

Case Study

Carla, Financial Analyst at TechPay

How she reconciles 3.456 transactions in 15 minutes

08:00

System Runs Automatically

Carla arrives at the office. The email is already in her inbox: "Reconciliation 24/01 complete".

08:05

Opens the Dashboard

✅ Acquirer A: 100% (1.234 tx) | ✅ Acquirer B: 100% (789 tx) | ⚠️ 6 pending discrepancies

08:10

Reviews Discrepancies

4 discrepancies auto-approved (rounding <R$ 0,50). 2 transactions not found in the gateway: she opens tickets.

08:15

Completed

✓ 99,77% reconciled | 2 tickets under review

Daily Results

Transactions

3.456

Checked

Time

15 min

Before: 4h

Rate

99,77%

Reconciled

Amount

R$ 191.914

Processed

Integrations

Multi-Acquirer Reconciliation

Architecture ready for multiple acquirers — start with one and scale as you grow.

Primary Acquirer

Settlement API + Confirmed transactions + Schedule anticipation. Balance reconciliation and complete reconciliation checks.

✓ Integrated

Other Acquirers

Acquirer-agnostic architecture — new acquirers are added on demand as the tenant needs them.

Extensible

Capabilities

9 Check Types + Phantom Detection + Automatic Adjustments

CHECK 1: MDR

Checks whether the fee charged (MDR) matches the agreed rate. Detects improper charges or incorrect discounts per transaction.

CHECK 3: Phantom

Transactions that exist locally but were purged by the acquirer. No cancellation webhook — proactive detection with scan, refund and batch reversal.

CHECK 2: Status Divergent

Local status (succeeded) differs from the acquirer's status (failed/pending). Identifies stuck transactions or incomplete processing.

CHECK 5: Missing Local

Transaction exists at the acquirer but not in the local database. Detects missed webhooks, processing failures or integration gaps.

Two-Dimensional Adjustments

MDR adjustment updates the ledger entry + source field (acquirerFees). Direct adjustment: reclassify, redate, compensate. Financial adjustment for accounting corrections.

CLI + Batch Automation

CLI tools for automation: batch phantom scan, batch cancel reversal, batch phantom refund. Analyze V2 optimized for high volume.

FAQ