Solutions
Use Cases
Success case Niubiz
Niubiz evolves transaction control at scale with Simetrik
Peru’s leading acquirer strengthened its control infrastructure to scale the digital ecosystem
<10 min
per automated reconciliation
+1.6k
monthly reconciliations running
5.56 bps
of value detected and recovered
About Niubiz
Niubiz is Peru’s leading acquirer with over 28 years of experience (formerly VisaNet). It connects more than 600,000 merchants with issuers and international brands, offering payment solutions for cards, transfers, ecommerce, and digital wallets. It has been key in reducing cash usage in Peru from 86% to 44%.
Niubiz's Challenge
As Peru’s leading processor, Niubiz operates a complex ecosystem. The expansion of digital commerce and increasing transaction volumes demanded a control architecture that could scale with the business.
Control scalability
New payment flows required full visibility of every transaction through to accounting.
Early discrepancy detection
With multiple participants, identifying discrepancies early was key to protecting margins.
Efficiency and automation
The goal: teams focused on analysis while reconciliation runs automatically.
Results achieved
Niubiz consolidated a more integrated, automated, and scalable control architecture with Simetrik.
Before Simetrik
- Reconciliation processes taking several hours
- Late detection of transactional discrepancies
- Manual burden in accounting and closing processes
- Limited scalability for new payment flows
After Simetrik
- Automated reconciliations in under 10 minutes
- 5.56 bps of value detected and recovered from volume
- 90 journal entries automated daily to the ERP
- Over 1,620 monthly reconciliations across multiple flows
How was it solved?
Niubiz adopted Simetrik as its reconciliation and control platform, consolidating a single source of truth. The implementation enabled full traceability from authorization to the ERP, with over 1,620 monthly control executions.
How the solution was structured
Niubiz processes flows from multiple brands, issuers, and payment types with strict regulatory requirements. Simetrik structured control across 6 domains, from transactional data to journal entries.
Cash In
Transaction revenue validation
Continuous control of flows across core business lines, with traceability from authorization.
Cash out
Outflow and settlement control
Validation of merchant payments and settlement flows with full traceability of the transaction lifecycle.
Fees & Billing
Fee discrepancy detection
Identification of network fee differences, duplicate payments, and missing transactions in authorization.
Claims & Chargebacks
Dispute management
Tracking of transactional disputes with 100% recovery rate and early discrepancy detection.
Accounting Automation
Automated accounting to ERP
Generation of 90 daily automatic journal entries, eliminating over 240 annual hours of manual work.
Unified Oversight & Alerts
Consolidated transaction monitoring
Real-time dashboards with transactional KPIs, early alerts on anomalies, and consolidated visibility by flow.
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