Reconciliation

The problem

Industrial leasing companies face difficulties reconciling recurring payments that can arrive through multiple channels, reconciling additional service charges and maintaining effective tracking of personalized payment schedules for each client.

Main benefits

• Automatic reconciliation of payments received through multiple channels
• Early identification of clients with irregular payment patterns
• Differentiated tracking of capital, interest and additional services
• Automatic generation of personalized account statements

Implementation

The platform implements a system that receives payment information from all banking channels, automatically identifies the corresponding client and contract through matching algorithms, and applies amounts according to configured prioritization rules. The system generates early alerts when it detects deviations in a client's historical payment patterns.

Results

Leasing companies report 85% reduction in reconciliation time, 60% decrease in misapplied payments and 45% improvement in early identification of clients at risk of delinquency.

The problem

Wholesale distributors struggle with the complexity of reconciling payments that cover multiple invoices simultaneously, correctly identifying applied discounts and efficiently handling partial returns that affect final amounts to collect.

Main benefits

• Automatic reconciliation of payments against specific invoices
• Integrated handling of credit notes for returns
• Automatic application of early payment discounts
• Self-management portal for B2B clients

Implementation

The solution deploys a system that allows B2B clients to indicate which specific invoices they are paying through a personalized portal. For payments without specific reference, the system applies configurable business rules (FIFO, LIFO, invoices about to expire) to distribute received amounts. The system also automatically reconciles returns with corresponding invoices.

Results

Distributors report 90% less time in reconciliation, 75% reduction in payment application disputes and 50% improvement in overdue portfolio days thanks to better visibility and management.

The problem

B2B digital credit platforms face challenges consolidating information from multiple payment gateways, quickly identifying rejected transactions and keeping credit balance information synchronized in real time to avoid overdrafts.

Main benefits

• Integration with multiple payment gateways and banking systems
• Real-time update of available credit limits
• Automatic payment received notifications to clients
• Payment behavior analysis dashboards by segment

Implementation

The platform establishes API connections with multiple payment gateways and banks to receive real-time notifications of completed payments. The system processes these notifications instantly, updates client balances and sends automated confirmations. Consolidated information feeds analytical dashboards that allow identifying payment behavior patterns by industry, company size and region.

Results

B2B fintech companies have achieved 95% reduction in payment application time, balance updates available in less than 30 seconds and 40% improvement in credit line renewal rates thanks to better user experience.