Trusted by leading card issuers and acquirers across 50+ countries
Use Cases
Reconciliation for Issuers & Acquirers
Every basis point, confirmed
Card issuers and acquirers process millions of authorizations daily across Visa, Mastercard, and local schemes, each with its own clearing schedule, interchange logic, and dispute process. Simetrik reconciles the full card lifecycle, with traceability from authorization to settlement to your ERP.
>99.9%
Automatic match rate on card network clearing files
16 bps
Losses avoided monthly on total card volume at a leading issuer-acquirer
5 days
Average month-end close reduction for card operations teams
Reconcile every transaction
One control layer linking your card switch, network clearing files, and ERP, reconciling every auth to its final settlement automatically so your team handles exceptions, not data.
- Card issuing: auth vs clearing vs settlement vs ERP, end-to-end
- Multi-network: Visa, Mastercard, Amex, local schemes, one view
- Real-time alerts on clearing mismatches before they age
Validate every fee
Every fee layer: interchange, scheme fees, processor charges, and MDR, has its own billing logic. Simetrik validates each against contract, across every intermediary.
- Downgrade and misclassification errors caught before period-end
- Assessment, network, and processing fees validated per billing cycle
- Audit-ready interchange reports for regulators and card networks
Manage chargebacks
Simetrik monitors every dispute from notification to resolution, with automated evidence and real-time ratio tracking.
- Dispute matched to original authorization, clearing, and settlement
- Evidence assembled automatically within dispute response windows
- Ratio monitored vs Visa and Mastercard program thresholds, daily
- Win/loss tracked through full dispute and representment cycle
Launch new card products without rebuilding everything
Finance and ops configure reconciliation directly. One platform handles any product without rebuilding logic for each one.
- New card products configured in days, not rebuilt from scratch
- Prepaid, virtual, co-brand, and instant-issue on one platform
- 100+ templates for card networks, processors, and ERPs
Built for the full complexity of card operations
Auth-to-settlement accuracy
99.99% auto-match on every card network clearing file. Every authorization confirmed against final settlement before it touches your books.
Interchange revenue protection
Validate every interchange credit at transaction level. Catch downgrades, misclassifications, and billing errors before they compound into permanent losses.
Chargeback ratio control
Stay below network program thresholds with real-time ratio tracking and automated evidence collection for every dispute.
AI-native by design
Smart anomaly detection surfaces auth mismatches, interchange discrepancies, and unusual chargeback patterns before they age into losses.
Real results from card issuers and acquirers like yours
"From Operations, we led this evolution together with Simetrik, strengthening end-to-end visibility of our transactions and automating key reconciliation and control processes."
Frank Jimenez Transaction Control Manager, Niubiz
Ready to reconcile the full card lifecycle?
Join 180+ card issuers, acquirers, and processors that trust Simetrik to confirm 2.5 billion records daily, from authorization to final settlement.