NAYA vs BlackLine: Modern Reconciliation for Fintechs
NAYA offers a modern, API-first approach to reconciliation that matches fintech velocity, unlike BlackLine"s enterprise-focused architecture.
Why switch to NAYA?
While BlackLine is great for traditional month-end close, NAYA automates continuous reconciliation for API-driven businesses.
Cons of BlackLine
- ✕Expensive
- ✕Manual matching logic
- ✕Legacy UI
Pros of NAYA
- ✓Real-time
- ✓API-first
- ✓Usage-based pricing
Why Fintechs Need a Different Approach
BlackLine was built for enterprise CFOs managing month-end close across dozens of subsidiaries. It excels at that use case—but fintechs operate differently.
When you"re processing thousands of transactions per second across Stripe, Adyen, and multiple bank partners, you need reconciliation that runs continuously, not in batch windows.
The NAYA Difference
NAYA was purpose-built for high-velocity financial operations. Our platform ingests transaction data in real-time, automatically matches across sources, and surfaces exceptions the moment they occur.
Real-Time vs Batch Processing
BlackLine typically runs reconciliation in scheduled batches. NAYA reconciles continuously—as transactions flow through your system, not hours or days later.
API-First Architecture
Every NAYA capability is accessible via API. Embed reconciliation status in your product, trigger alerts programmatically, and integrate with your existing observability stack.
When to Choose NAYA
Choose NAYA if you"re a fintech, marketplace, or embedded finance company that needs: real-time transaction matching, API-driven workflows, and reconciliation that scales with your transaction volume—not your headcount.