Trusted by world-class companies
Use Cases
Validate every settlement. Contest every chargeback. Confirm every fee.
Payments teams sit at the intersection of every financial risk in the business. Simetrik automates the reconciliation, dispute management, and fee validation that protect your margins, across every processor, network, and payment method.
The numbers behind the control
500B+
in annual TPV reconciled
>99.9%
automatic reconciliation rate
2.5B
daily records processed
What your payments team can finally achieve
Every settlement confirmed, across every partner
Reconcile settlement data from any processor, network, or bank, automatically, regardless of format or timeline, and detect discrepancies before the window closes.
Chargebacks contested before the deadline
Stop losing disputes you could have won. Automated lifecycle tracking and early warnings keep your team ahead of every SLA.
Fees that match your agreements, always
Validate what you’re actually being charged against what you agreed to, and recover overcharges automatically.
Where payment operations lose money
Every processor, card network, and acquiring bank sends settlement data in a different format, on a different timeline, with different business rules. Every chargeback that isn’t contested on time is a direct loss. Every fee that goes unvalidated is an invisible leak. At scale, the variability is what breaks manual processes.
Reconcile settlements across every third party
You can reconcile settlement data from any payment partner, regardless of format, currency, or timing, against your internal transaction records and bank statements.
- Handle multi-currency, multi-entity, and cross-border settlement complexity
- Confirm bank-level settlement receipt for every batch
Stop losing disputes you should have won
You can automate the full chargeback lifecycle: from notification to evidence collection to financial impact tracking, and get early warnings before SLA deadlines pass.
- Monitor chargeback ratios against network thresholds with real-time alerts
- Track the full dispute lifecycle from notification to resolution
Validate what you're paying, against what you agreed
You can reconcile theoretical fees, based on your commercial agreements, against what processors and networks actually charged. Overcharges surface automatically, and your team has the data to dispute them.
- Detect and flag overcharges, unexpected billing, and FX cost deviations
- Build a verified cost baseline for payment partner negotiations
Built for the complexity of payment data
Simetrik’s Smart Parsers interpret any settlement file format automatically — so your team doesn’t spend hours normalizing data before they can reconcile it. The Simetrik AI Agent monitors for anomalies, flags exceptions, and manages workflows in natural language. Connect via MCP for integration with your payment platform’s AI layer.
- Smart Parsers handle any file format from any payment partner, automatically
- AI-native anomaly detection across settlement, chargeback, and fee data
- MCP integration connects the Simetrik Agent to your payment platform’s AI agents
Operations Center
The full picture of your payment operation in real time
The Simetrik Operations Center gives payments teams a consolidated view of settlement status, chargeback queues, fee exceptions, and real-time transaction alerts — across every partner, in a single interface. Drill from overview to individual transaction in seconds.
- Transaction lifecycle tracking across all payment channels
- Chargeback dashboard with deadline tracking and ratio monitoring
- Consolidated fee exception queue across all payment partners
FAQs
How do payment teams reconcile transactions across multiple PSPs?
Normalize the fields and statuses needed for the control while preserving each provider’s original references. Apply matching rules that account for different settlement schedules, currencies and reporting structures. A shared view helps teams review outstanding items, but each exception still needs to be traceable to its processor and underlying transaction.
What should payment operations reconcile across the transaction lifecycle?
Payment operations should connect internal transaction records with processor reports and bank-level settlement evidence. Depending on the flow, the review covers payment statuses, fees and adjustments that change the settled amount. Keeping those stages linked helps identify where a difference arose and which party can provide the evidence needed to resolve it.
Does an approved payment mean the funds have settled?
Approval does not by itself confirm settlement. Capture, processing and the bank deposit may occur at different stages, depending on the payment flow. Reconciliation should retain the references and statuses needed to distinguish them. Incoming payment reconciliation focuses on verifying the funds received and explaining differences against the expected settlement.
How can payment teams check processor fees against their agreements?
Compare the charged fee with the expected fee calculated from the applicable commercial terms and transaction data. Retain the breakdown by fee type so that a net settlement difference can be explained. Detailed tariff logic and billing discrepancies belong to fee and billing controls, rather than an amount-only comparison of bank deposits.
How should refunds and chargebacks be reflected in reconciliation?
Link each refund or chargeback to the original payment and to the financial movement it produces. Adjustments can appear in a later settlement period, so preserve the dates and dispute or refund status. Dedicated chargeback and refund controls help track those changes without losing their connection to the payment lifecycle.
How does Simetrik support multi-provider payment operations?
Simetrik prepares compatible source data and applies configured reconciliation rules across transactions, settlements and bank records. Teams can organize exceptions and review the evidence behind each result. Its deterministic core performs the matching, while AI capabilities support preparation and investigation without deciding which records are reconciled.
Ready to close every settlement gap?
Simetrik gives payments teams automated reconciliation, dispute lifecycle management, and fee validation, at transaction level, across every partner.