Merge is infrastructure for automated payment reconciliation, not generic accounting software. It exposes clean payment data, clear sub‑account mapping and visibility across complex flows.
Merge follows a four-step payment reconciliation process designed for finance and treasury teams:
Incoming and outgoing payment records, balances, and settlement confirmations flow through the Merge API, no manual statement collection required.
Assign each payment to a sub-account by entity, counterparty, or cost centre so every transaction is tagged at source.
Use Merge's structured data layer to reconcile payments and settlements inside your own tools, accounting systems, or ERP workflows.
Exceptions appear through the API or dashboard for review, alerts, or escalation.
Multi‑location businesses need to reconcile activity across entities, regions and payment methods.
Platforms, marketplaces, PSPs, and payroll providers use Merge to reconcile third-party payouts. Automated remittance reconciliation links each payment to the payer, payee, counterparty, and sub-account, with dedicated identifiers enabling instant attribution and scalable, high-volume matching.
Talk to the Merge team and we'll configure the payment infrastructure that fits your use case.
Merge’s payment reconciliation system adapts to any schedule. Everything is API‑driven.
Merge exposes payment records, sub-account balances, and settlement confirmations through its API in a consistent format, supporting statement reconciliation and reporting across existing finance, accounting, and ERP workflows. Each sub-account acts as a unique payment identifier, enabling immediate matching without changing existing processes.
In Merge, unmatched payments surface as exceptions through the API and dashboard. Clients configure their own escalation rules.
Merge provides structured payment data, sub-account visibility, and exception control to accelerate reconciliation across complex flows, supporting high-volume payouts, multi-entity operations, and third-party settlements with less manual effort.
Reconciling payments means matching each payment record to balances, settlement confirmations and internal finance data. The goal is to confirm that money moving in or out of a business aligns with bank statements and other external reports, ensuring accurate records and highlighting transactions that need review.
In finance operations, reconciliations involve comparing internal transaction logs with bank statements, sub‑account balances and settlement data to verify amounts and identify discrepancies. By running reconciliations regularly, teams catch missing references, duplicate records, delayed settlements and exceptions for manual review.
Payment reconciliation in Merge is API‑driven and flexible. Clients configure reconciliation to run automatically from events like payment confirmation, on a schedule or manually. Merge supports multiple triggers so teams can integrate reconciliation into their existing finance and treasury workflows.
Merge exposes a unified data layer across incoming and outgoing payment records, sub‑account balances and settlement confirmations. Each dedicated IBAN or virtual account number directs funds into a specific sub‑account, making attribution immediate. Clients consume this structured data through the API and use it in their own systems.
Unmatched payments appear as exceptions through the API and dashboard. Clients configure their own escalation rules, flagging a payment for manual review, triggering a webhook alert or routing it to a finance operations queue. Merge provides exception visibility and control rather than imposing a fixed workflow.
