The platform
Your payment partners
Schemes
Clearing & fee files
Processors
Transaction reports
Acquiring banks
Settlements
Core systems
Balances
Files & APIs · read-only
✓
Reconciles every transaction
✓
Checks contracts, fees and margin
✓
Resolves exceptions with evidence
✓
Documents every decision
Your ERP
Oracle NetSuite, Microsoft Dynamics 365, SAP or any other ERP stays your single source of truth. Documented results are written back within your permissions.
✓
Reconciled
✓
Recovered
✓
Disputed
✓
Posted
✓
Audit-ready
Explore the modules.
Data Preparation
Every source in one clean model.
Explore
↓
Reconciliation
Match every transaction, every day.
Explore
↓
Exception Management
Explain and resolve every exception.
Explore
↓
Insights
Partners, performance and margin.
Explore
↓
Valu Agent
AI for exceptions, rules for matching.
Explore
↓
Audit Trail
Every decision recorded.
Explore
↓
Data Preparation
✓
Connectors
SFTP, API, email and bank channels, scheduled or on arrival.
✓
Format recognition
Scheme, processor and bank formats identified by layout and version.
✓
Field mapping
Every field mapped to one payments data model.
✓
Validation
Completeness, duplicates and control totals checked on arrival.
✓
Enrichment
BIN, MCC, FX rates and partner data added to every record.
✓
Identifier resolution
References written differently by each source resolve to one ID.
Scheme files
IPM
Processor reports
CSV
Bank statements
camt.053
PSP settlements
XLSX
Core banking
API
ERP
GL
Inbox
Partner reports
Spreadsheets
XLSX
One data model
Ready
of files validated before matching
for all your payment data
files reformatted by hand
48,210 records
Auth
Clearing
Settlement
Ledger
!
96%
Matched automatically · 46 breaks
Reconciliation
✓
Multi-way matching
Two-, three- and four-way tie-outs across all sources.
✓
One-to-many
Net settlements matched to the transactions and fees behind them.
✓
Tolerance rules
Amount, date and FX tolerances you define and version.
✓
Multi-currency
Matching across currencies with the FX rate that applied.
✓
High volume
Millions of records per run, every day.
✓
Scheduled runs
Runs triggered by file arrival or on a fixed schedule.
of transactions matched automatically
less manual reconciliation work
breaks found as data arrives
Exception Management
✓
Root cause
Every exception classified with the reason it did not match.
✓
Evidence
Source records, rules and variances attached automatically.
✓
Routing
Cases routed to the right team by type, value and partner.
✓
Suggested or automatic
Suggested actions for approval, or automatic closure within your rules.
✓
Approvals
Thresholds and four-eyes rules enforced per flow.
✓
Disputes
Claims to schemes and partners drafted with the evidence.
Settlement gap · EXC-2284
Needs review
Valu Agent · Root cause
The scheme deducted €2,500.00 more than expected. The fee was charged at the non-qualified rate, not the contracted rate.
Settlement report
Fee schedule
Expected
€124,800.00
Received
€122,300.00
Variance
−€2,500.00
Assign
Raise claim
of exceptions closed automatically
faster resolution of the rest
of decisions with evidence attached
Overview
All partners
Partners
94
Net margin
1.41%
On-time settlement
96%
Open breaks
14
Net margin by week
Insights
✓
Partner overview
Volumes, fees and settlement quality per partner.
✓
Margin analysis
Interchange, scheme fees and MDR per scheme, product and merchant.
✓
Fee trends
Changes in fee levels spotted as they happen.
✓
Settlement timing
How fast and how complete each partner settles.
✓
Alerts
Thresholds on margin, breaks and timing, sent to the right team.
✓
Drill-down
From a portfolio view to the single transaction.
across every partner and scheme
margin and fee visibility
of figures traceable to records
AI · Valu Agent
✓
Ask your data
Questions answered from reconciled records, with the evidence attached.
✓
Explain every break
A plain-language summary of why something did not match.
✓
Prepare the action
Claims, corrections and journals drafted for approval.
✓
Controlled and recorded
AI never acts outside your rules, and every step is logged.
Valu Agent
Within your rules
Why is the scheme settlement €2,500 short?
The scheme applied the non-qualified rate for this BIN range. Clearing file, settlement report and fee schedule attached.
Clearing file
Settlement report
Fee schedule
Draft a claim and send it for approval.
Claim drafted for €2,500.00. Waiting for approval by Finance Ops.
Ask Valu Agent about a break…
Audit trail · EXC-2284
Export
Break identified
Matching engine
09:02
Rule applied · FEE-TOL v4
Rule engine
09:02
Cause explained
Valu Agent
09:03
Claim approved
Finance Ops
09:31
Journal posted to SAP
ERP
09:32
Write-once · kept for 10 years
Audit trail
✓
Source records
The files and lines behind every figure.
✓
Rule versions
Which rule applied, in which version, on which date.
✓
Actions and decisions
Who or what decided, and who approved it.
✓
Export in one step
The full trail for auditors and supervisors.
Matching rules
Which sources match, on which fields, one-to-one or one-to-many.
Clearing → Settlement
ARN + date
Settlement → Bank
1 : many
Bank → Ledger
Ref + amount
Tolerances
Amount, date and FX limits before a difference becomes a break.
Amount
±0.5%
Value date
±2 days
FX rate
±0.2%
Exception types
How breaks are classified, valued and prioritised.
Fee variance
High
Timing difference
Low
Missing record
Medium
Approvals and routing
Who handles which case, and from which value approval is needed.
Below €5k
Automatic
€5k to €50k
Finance Ops
Above €50k
Four-eyes
✓
Versioned by date
✓
Changes need approval
✓
Tested before release
✓
No code required
Connection methods
SFTP
REST API
Bank channels (EBICS, SWIFT)
Database
File upload
Reconcile scheme settlement, verify interchange income and control every fee that hits your P&L.
Tie out scheme settlements, check every merchant charge and payout, and catch leakage on both sides of your margin.
Reconcile settlements from many partners, verify what each one charges, and pay every merchant correctly.
Reconcile client funds, safeguarding accounts and the ledger daily, with the evidence your regulator expects.
Reconcile operator settlements against transactions and contracts, and pay merchants exactly what they’re owed.
Automate card, scheme and payment-account reconciliation alongside your core banking system.
Controlled execution
Every action follows defined rules, permissions and approval thresholds. Four-eyes where you need it.
Clear boundaries
Valurec only uses the systems, data and permissions each flow requires.
Evidence for every outcome
Every match, decision, approval and posting is documented and exportable for audits and supervisory reviews.
