Custom AI reconciliation engine that matches bank statements, ERP ledgers, payment gateways, and UPI/NEFT/RTGS transactions — 98%+ auto-match rate, full audit trail, GST-ready.
Illustrative — actual UI built to your source system schema
End-to-end payment reconciliation covering every inflow/outflow source your finance team manages.
Ingests bank statements (PDF/API), ERP exports, payment gateway settlements (Razorpay, PayU, Stripe, Paytm), and UPI bulk files. AI matches on amount + date + reference ± tolerance rules you define.
Unmatched transactions are auto-classified by exception type (timing diff, amount mismatch, duplicate, gateway fee), routed to the right team member with WhatsApp/email alert and SLA timer.
Every matched entry carries GST tax code, HSN/SAC, TDS section — one-click export for GSTR-2A reconciliation and Form 26AS matching. Fully audit-ready for CA/statutory review.
Handles scanned, password-protected, and digitally-signed PDFs from all Indian banks — HDFC, ICICI, SBI, Axis, Kotak, Yes Bank, IDFC. OCR fallback for non-machine-readable statements.
Pre-built connectors for SAP Business One, Tally Prime, Zoho Books, QuickBooks, Oracle NetSuite, and Microsoft Business Central. Custom API integration for in-house ERP in 2–4 weeks.
Finance team approves or re-routes exceptions from mobile — with transaction context, matching suggestions, and one-tap resolution. WhatsApp-native for teams not using desktop apps.
For India/UAE buyers evaluating "automated payment reconciliation software" — how XPndAI compares with global SaaS and local development vendors.
| Vendor | Type | India/UAE Support | Custom Logic | Source Code | India Pricing |
|---|---|---|---|---|---|
| XPndAI | Custom Dev | ✓ Full (UPI, NEFT, GST, TDS) | ✓ Any rule | ✓ Yours | ₹8L–₹45L fixed |
| HighRadius | SaaS Platform | ✗ USD-centric | ⚡ Limited | ✗ No | $3K–$15K/mo |
| Tipalti | SaaS AP | ⚡ Partial | ✗ Workflow only | ✗ No | $2K–$8K/mo |
| Tesorio | SaaS AR/Cash | ✗ US-focused | ✗ No | ✗ No | $2K+/mo |
| Vic.ai | SaaS AI AP | ⚡ Limited | ⚡ Add-on | ✗ No | $1.5K+/mo |
| Matellio (India Dev) | Custom Dev | ✓ India | ✓ Custom | ✓ Partial | ₹15L–₹60L |
XPndAI is the only custom-dev vendor with native UPI, NEFT/RTGS, GST/TDS reconciliation and Tally/SAP B1/Zoho connectors built for Indian finance workflows. No per-seat SaaS fees. Source code ownership. Go-live in 6–10 weeks.
No monthly SaaS fees. One-time build + optional AMC. All prices include hosting setup and go-live support.
Describe your payment sources, transaction volume, and current pain point. We'll send back a scoped proposal within 24 hours.