By a team that ran the finance back offices of First Data (Fiserv), TeleCash, Klarna, iyzico and PayU.
Fully agnostic
Works with any scheme, processor, bank and ERP, in any format and currency, on top of the systems you already run.
AI-native
AI at the core of every workflow, reading, explaining and resolving. Always within your rules.
Audit-ready by design
Deterministic matching and a full decision trail, built around EU, UK and Turkish regulatory expectations.
Daily position · 14 Oct
No shortfall
Client funds
€855.0k
Safeguarded
€842.6k
In transit
€12.4k
Evidence stored · 16:02
Fee check · Mastercard
1 over-billed
Fee line
Billed
Contract
Authorization fee
€0.0045
€0.0045
Cross-border assessment
0.92%
0.85%
Clearing fee
€0.0030
€0.0030
Claim drafted · +€4.2k
Settlement Reconciliation
Tie clearing, net settlement and bank credits together every day.
Settlement tie-out
Matched
Clearing (BASE II)
€412.9k
Fees deducted
−€4.2k
Net settlement
€408.7k
Bank credit · camt.053
€408.7k ✓
Valu Agent · Scheme fee deducted at settlement. Matches the scheme fee schedule.
Compliance Reporting
Safeguarding reports, Mastercard QMR, Visa GOC and partner statements, generated from verified data.
Reports · October 2026
4 this month
Safeguarding reconciliation
FCA CASS 15 · daily
Generated
Mastercard QMR
Q3 2026
Submitted
Visa GOC
Q3 2026
Ready
Partner statement
October 2026
Sent
Evidence and audit trail attached to every report
safeguarding position reconciled and signed off
manual reconciliation work
of transactions with their margin measured
CSV
Client balances
XML
Safeguarding account
ERP
Ledger
OUTPUT
Safeguarding proven
Safeguarding
Safeguarding reconciliation
Mandatory · FCA CASS 15
EMD2 / PSD2 Art. 10
TR Law 6493
Bring siloed data from schemes, processors, banks and your ERP into one clean model, with oversight of every record.
Any format
CSV, XML, PDF, API
clearing_T112_1027.ipm
Mastercard IPM · recognised
Recognise
Every incoming file is identified by scheme, version and layout, without a mapping project.
DE 4
Amount
DE 31
ARN
DE 49
Currency
Map
Fields are mapped to one data model, so amounts, dates and references line up across sources.
Ref 88214
88214
No. 88214
REF-88214
Normalise
References written differently by each source resolve to one identifier.
Insights
/
Overview
1 – 27 Oct 2026
▾
All partners
▾
Export
Processed volume
+8.4%
Net revenue
+5.1%
Net margin
−2 bps
Settled on time
+0.3 pt
Volume and net margin
Volume
Net margin
W31
W33
W35
W37
W39
W41
W43
Partners
5 of 37
Partner
Volume
Margin
On time
AC
€84.2m
0.46%
99.4%
AC
€51.7m
0.31%
98.8%
PS
€38.9m
0.52%
99.1%
WA
€22.4m
0.44%
97.6%
CA
€9.8m
0.61%
99.7%
Net margin by scheme
Visa
0.48%
Mastercard
0.41%
Troy
0.36%
Alternative payments
0.58%
Insight
Margin with Acquirer · Poland fell 6 bps this month, following a scheme fee change on 1 October.
Partner overviews
Volume, fees, payout timing and open items for every acquirer, PSP, bank and wallet partner.
Performance
Settlement timeliness and match rates tracked per partner, scheme and flow.
Margin
Net margin per partner, scheme and merchant segment, from transaction to ledger. AI flags shifts as they happen.
Regulatory
Global
SOC 2
SOC 2 Type 2
Security controls
Global
ISO 27001
ISO/IEC 27001
Information security
Privacy
GDPR
Data privacy
EU/UK GDPR, KVKK
EU
PSD2 · PSD3
Payment
services
EU
DORA
Operational
resilience
UK
CASS 15
Safeguarding
of client funds
TR
Law 6493
Payment and
e-money institutions
Trust Center
See all regulations and certifications ›
Including SOX, EMD2, IFR and EU hosting.
