Use Cases
Success Case PayU
PayU hits 229% ROI and recovers hidden losses with Simetrik
Daily control in 7 countries and one source of truth for sales, installments, chargebacks and fees
229%
ROI since March 2022
1.48 bps
in discrepancies identified and prevented
2 weeks
to launch new payment methods
About PayU
PayU enables businesses and merchants across Latin America to accept online payments through multiple methods (card, debit, bank transfer, cash, wallets), with an integrated infrastructure for regional payments management, reconciliation and compliance. Coverage with Simetrik: Colombia, Argentina, Brazil, Mexico, Chile, Peru and Panama.
PayU's Challenge
PayU’s operational complexity grew alongside its expansion across Latin America: each country with different rules, multiple acquirers and loosely connected tools, and the need to reconcile everything daily and accurately.
Full lifecycle visibility
Quantify withheld taxes, double debits and chargebacks in time, as they impact margin.
Installments, refunds and fees
Installment payments, chargebacks and partial refunds sat outside automatic reconciliation.
Manual, fragmented processes
Manual report downloads and isolated spreadsheet cross-checks that slowed down closings.
Autonomy and traceability
Every new integration or regulatory change required data teams to create rules and adjust.
In-house and local tools
Legacy solutions reconciled only one transaction type, with different rules in each country.
Results achieved
More coverage, fewer leaks and new payment methods launched in 2 weeks.
Before Simetrik
- Coverage for sales and limitations for refunds
- Dedicated data teams and 2 tools to manage (one only for Brazil)
- Leaks from tax miscalculations and double debits
- Launching a new payment method relied on data and IT teams
After Simetrik
- +987 reconciliation runs and 227 keys; 99.9% of cases controlled
- Unified SaaS and a single source of truth, saving on infrastructure and data
- 1.48 bps of processed volume saved from leaks
- 2 weeks to launch new payment methods, without relying on IT
How was it solved?
With growth above 20% per year and regional regulatory pressure, PayU needed daily controls and auditable evidence. With Simetrik it replaced its in-house development and a Brazil-only tool with an integrated infrastructure built to scale.
How the solution was structured
With Simetrik, PayU turned its operation into a flexible financial infrastructure built to scale, supported by five pillars:
Universal reconciler
Finance and Operations autonomously design and maintain 227 keys and 987+ runs, covering over 99% of cases.
Integrated architecture
Replaced in-house development and a Brazil-only tool; connects to Snowflake and can post entries to the ERP.
Real-time visibility
Daily dashboards with key KPIs, updated by event, supporting data-driven decisions.
Operational flexibility
Configurable architecture adapts to regulatory or third-party reporting changes with no extra development.
Flexible, scalable rollout
Changes on the fly during implementation; PayU now enables and controls new payment methods in 2 weeks.
