Payments, cards and PSP reconciliation for the modern money movement stack.
Reconcile scheme settlements, PSP payouts, wallet ledgers and switch clearing with tolerance-aware matching, chargeback lifecycle handling and real-time exception routing.
The reconciliation problems this solves
Visa VSS/EPIN, Mastercard IPM/CSF, Amex, UPI, PIX, SEPA — every scheme brings its own hierarchy, fee model and reversal semantics.
Merchants demand penny-perfect payout reconciliation across gross, fees, refunds, chargebacks and holdbacks.
Presentment, first chargeback, representment, arbitration — each stage moves money and must reconcile end-to-end.
Volumes into the tens of millions per day with same-day settlement SLAs leave no headroom for manual triage.
What FVI does for this use case
Out-of-the-box parsers for Visa VSS, Mastercard IPM/CSF, Amex, JCB, Discover, UPI, PIX, SEPA and PSP files.
Match authorization, clearing, settlement and GL simultaneously with N-way tolerance and reversal awareness.
Agents learn per-merchant fee patterns and cluster interchange breaks by BIN, MCC and product.
Stateful matching across CB stages with automatic tie-back to originating auth and settlement.
Kafka, Kinesis and webhook connectors for real-time exception detection under scheme SLAs.
Per-merchant payout evidence and downloadable reconciliation packs to end funding disputes.
- Visa VSS-110/120/900 series, Base II / EPIN
- Mastercard IPM, CSF, T112/T140
- Amex, JCB, Discover, Diners scheme files
- SEPA SCT/SDD/Inst, UK Faster Payments, PIX (BR), UPI (IN), FedNow / RTP
- PSP payout files (Stripe, Adyen, Checkout.com, Worldpay, PayPal, Braintree)
- Switch, wallet ledger and core banking GL extracts
Aligned to the regulations that matter here
Controls designed against the frameworks Tier-1 buyers require. See Security & Compliance for the full matrix.
Frequently asked
Does FVI store PANs?+
No. Card data is tokenised on ingest; only masked PAN, BIN and last-4 are retained. Full PCI-aligned isolation with BYO-KMS envelope encryption.
How does it handle scheme mandates?+
Parsers are versioned per scheme release; FVI publishes mandate-tracking notes with each release so operations teams stay ahead of Visa and Mastercard bulletins.
Can we reconcile in near real time?+
Yes. The Rekon Orchestrator supports streaming ingestion; typical scheme-vs-switch exceptions are surfaced within seconds of file arrival.
See it on your data
30 minutes with a solutions engineer, walking a real payments & card scheme reconciliation workflow end-to-end.