Automated Payment Reconciliation for Fintechs
NAYA automates transaction matching across payment rails, bank feeds, and ERP systems — giving fintech teams real-time reconciliation without the engineering overhead.
Payment reconciliation is the process of matching transaction records across multiple payment sources — bank feeds, payment processors, card networks, and ERP systems — to verify that every movement of money is accurately accounted for. NAYA provides a purpose-built reconciliation engine for fintech teams, automating the matching process at scale without manual intervention.
What NAYA Reconciles
NAYA ingests and reconciles transaction data across the full stack of payment infrastructure:
- Payment rails: ACH, wire transfers, RTP, Visa/Mastercard/Amex card networks
- Payment processors: Stripe, Braintree, Adyen, Square
- Banking data: Bank feeds via Plaid, MX, and direct core banking integrations
- Internal systems: ERP platforms, internal databases, and proprietary ledger systems
- Card programs: Issuing networks, BIN sponsors, and expense management platforms
- Alternative rails: USDC and stablecoin settlement flows
How the Reconciliation Engine Works
NAYA's matching engine operates across three layers:
1. Ingestion
Automated data feeds from connected sources normalize transaction records into a unified schema. Webhooks, direct API polling, file-based imports (CSV/SFTP), and streaming event pipelines are all supported. Every incoming record is timestamped, validated, and stored in NAYA's immutable transaction log.
2. Matching
A rule-based and AI-assisted matching engine correlates records across sources using transaction amount, timestamp, reference ID, and custom matching rules configured by your team. Each potential match receives a confidence score. High-confidence matches are auto-resolved; low-confidence pairs surface for review.
3. Exception Handling
Unmatched transactions surface immediately in a real-time exception queue — not at end-of-day. Your operations team sees only the exceptions that require human judgment; everything else resolves automatically. Every decision is logged with a full audit trail.
Built for Production Scale
NAYA's reconciliation engine is designed for fintech environments running high transaction volumes across multiple rails simultaneously:
- Multi-source matching across 10+ data providers simultaneously
- Real-time exception detection as transactions arrive
- Designed for multi-rail environments where transactions flow across multiple networks at once
- Complete audit trail: every match decision logged with timestamp, confidence score, and matching rule
- Configurable alerting for exception thresholds and SLA breaches
Integration Connections
NAYA connects natively with the payment infrastructure and data providers fintech teams already rely on:
- Payment processors: Stripe, Braintree, Adyen, Square
- Banking and open finance: Plaid, MX, Finicity, direct core banking APIs
- Card issuance: Marqeta, Lithic, Stripe Issuing
- Internal data: REST API, webhooks, CSV and SFTP file imports
Get Started with NAYA
NAYA is built for fintech teams who need production-grade reconciliation infrastructure — not another reporting dashboard. Connect your payment stack, configure your matching rules, and eliminate manual reconciliation workflows.
Request a demo or get API access to see the engine in action with your own data sources.
Frequently Asked Questions
Common questions about this topic
QWhat is payment reconciliation automation?
Payment reconciliation automation is the use of software to automatically match transaction records across multiple payment sources — including bank feeds, payment processors, and internal ledgers — without manual intervention. Automated reconciliation engines ingest data from connected sources, apply matching logic using rules and AI, and surface only unmatched exceptions for human review.
QHow does NAYA handle unmatched transactions?
Unmatched transactions surface in real time in NAYA's exception queue — not at end of day. Each potential match receives a confidence score. High-confidence matches auto-resolve via configurable rules; low-confidence items route to your operations team for manual review. Every decision is logged with a full audit trail including timestamp, confidence score, and which rule was applied.
QWhich payment processors does NAYA support?
NAYA connects with major payment processors including Stripe, Braintree, Adyen, and Square, as well as banking data providers such as Plaid and MX. Data is ingested via webhooks, API polling, and file-based imports (CSV/SFTP).
QWhat payment rails does NAYA reconcile?
NAYA supports ACH, wire transfers, RTP (Real-Time Payments), card networks (Visa, Mastercard, Amex), card issuance platforms, and alternative rails including USDC and stablecoin settlements. The engine is designed for multi-rail environments where transactions flow across multiple networks simultaneously.
QHow is NAYA different from traditional reconciliation tools?
Traditional reconciliation tools are built for accounting teams and batch processing at month-end. NAYA is infrastructure for operational teams — it reconciles in real time, integrates directly with payment APIs and banking feeds, and is designed for high-volume fintech environments rather than financial close workflows. There is no 'accounting' layer; NAYA operates at the transaction level.
QDoes NAYA reconcile at the transaction level or only at settlement level?
NAYA reconciles at the individual transaction level, not just at the batch or settlement level. Discrepancies are detected as transactions arrive rather than at end-of-day settlement, giving operations teams real-time visibility into every payment flow.
QDoes NAYA provide an audit trail for reconciliation decisions?
Yes. Every match decision made by NAYA's engine is logged with a timestamp, confidence score, and the matching rule applied. This creates a complete, immutable audit trail suitable for regulatory review, investor due diligence, or internal compliance purposes.
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