Pay Your Merchants Today.
Not Next Week.
RECONFLO automates the complete settlement loop for payment aggregators — from raw transaction data across every rail to individual merchant payout. One system. One flow. No spreadsheets.
One platform. Every step of the settlement loop.
From data ingestion to bank-confirmed payout — automated, auditable, and built for African payment infrastructure.
Your settlement process
is your growth ceiling.
Every payment aggregator reaches this wall. The more merchants you add, the slower and more error-prone your settlement becomes.
Day Settlement Cycles
Merchants expect 24–48 hours. You're losing deals to competitors promising faster payouts. Settlement speed is now your biggest competitive liability.
Finance Hours Wasted Monthly
Downloading files, cleaning data, chasing discrepancies. Your best people are doing spreadsheet work. That's not ops — it's a P&L problem.
Settlement Disputes Per Month
Commission errors. Mismatched amounts. Each dispute takes hours to investigate and erodes merchant trust you can't afford to lose.
Merchant-to-Headcount Trap
Every 200 new merchants requires another reconciliation analyst. Your operations cost grows with your merchant base. That is not a business model — it's a ceiling.
From raw data to merchant payout.
One unbroken automated flow.
Most tools stop at reconciliation. RECONFLO owns the entire loop — from every data source in, to every merchant settled out.
Any platform that collects
for many and settles to each.
The sector changes. The reconciliation and settlement problem does not. RECONFLO serves payment aggregators across 10 verticals — one platform, one flow.
Payment & POS Players
POS aggregators, payment service providers, and merchant payment platforms settling across card, mobile money, and bank rails to hundreds or thousands of merchants daily.
School Fees & Bookings
School fee collection platforms and event ticketing aggregators disbursing collected revenue to schools, institutions, and event organisers — reconciled per transaction.
+ More verticals
AgriTech, InsurTech, PropTech, PAYG Energy, SACCO platforms, B2B marketplaces and more — any platform that collects for many and settles to each.
The numbers your board
will want to see.
500+ merchants, 3 acquiring banks, 5-person finance team. Measured 90 days after go-live.
Settle Faster.
Experience your exact workflow automated in a 20-minute personalized demo — configured to your merchant volumes and rails.
Book a Discovery Call