The Enterprise Recon Hub
Unify. Automate. Assure.
A configurable reconciliation platform that brings transaction matching, exception resolution, settlement assurance, disputes, reporting and audit evidence into one controlled operational environment.
Designed for banks and financial institutions managing complex, multi-source payment flows.
Reconciliation is no longer a single matching exercise.
Every channel introduces different files, systems, cut-offs, cycles, rules and settlement dependencies. Manual or fragmented processes make it difficult to see where value is stuck, why a transaction failed to match and who must act next.
Fragmented data sources
Channel, switch, core banking, network and settlement records must be aligned.
Complex matching logic
Timing, references, amounts, fees and multi-leg flows create non-trivial comparisons.
Ageing exceptions
Unresolved breaks can affect settlement, customer service, revenue and audit outcomes.
A complete operational reconciliation layer.
Data Ingestion
Bring together structured files and transaction data from participating systems.
Multiway Matching
Compare two or more sources using configurable business rules and tolerances.
Detail-level SA/SL
Reconcile SA/SL at transaction level—not only summary level—for greater accuracy and traceability.
Exception Management
Identify, categorise and route breaks for investigation and resolution.
Settlement Control
Track settlement positions, variances, receivables and payables.
Dispute & Chargebacks
Support transaction research and structured resolution workflows.
Reports & Dashboards
Deliver operational views, summaries, ageing and management insights.
Audit Trail
Maintain logs and traceability across processing, actions and outcomes.
From source data to controlled resolution.
Connect
Source Data Integration
Receive data from transaction, channel, switch, core and settlement sources.
Reconcile
Configurable Transaction Matching
Run configurable matching across sources and processing cycles.
Resolve
Exception Identification & Resolution
Identify and classify unmatched transactions, enabling operations teams to investigate and resolve exceptions systematically.
Assure
Settlement & Audit Assurance
Report settlement positions, outcomes, controls and audit evidence.
Built to span the modern payment ecosystem.
Cards & Channels
ATM, BNA, POS, acquiring, issuing, prepaid and credit-card flows.
Instant & Account Payments
UPI, IMPS, AEPS, NEFT, RTGS and related settlement flows.
Networks & Messaging
Domestic schemes, international card networks and SWIFT transactions.
Cross-Border Remittances
Cross-country remittances within Africa in local currencies and outward remittance flows beyond Africa in USD.
Designed to fit bank-controlled environments.
SmartRECON can be deployed on customer-provided infrastructure or within the customer’s own AWS, Microsoft Azure or Google Cloud environment. The institution retains control of its operating system, database, data and access, while NETZ supports the application through approved mechanisms.
View security, deployment and governance →Customer-hosted
Deploy on premises or within a customer-controlled cloud environment.
Configurable integration
Adapt to existing data sources and operational processes with minimal disruption.
Application-focused support
NETZ supports SmartRECON while infrastructure administration and access remain customer controlled.
Structured around the bank’s operating model.
Discover
Flows & Controls
Map channels, systems, files, cycles, settlement dependencies and expected outcomes.
Configure
Data & Rules
Define source mappings, matching logic, tolerances, exception categories and access roles.
Validate
Controlled Testing
Test representative data, expected results, operational reports and user acceptance criteria.
Operationalise
Go-live & Support
Move into production with training, controlled access and application-focused support.
Control for operations. Confidence for management.
See how the recon hub fits your payment environment.
Share the channels, systems and settlement flows you need to control, and NETZ can structure the conversation around your operational priorities.
Contact NETZ →