Multi-way reconciliation: reconcile all your sources, without limits or complexity
Managing reconciliations involving three or more sources has never been easier. With XREC, you can reconcile — in a single click — data coming from your back-office, PSPs, banks, billing systems or third-party partners, while keeping full end-to-end control.
Multi-way, multi-sector
The most complex financial strucures, finally simplified
Multi-way reconciliation becomes essential whenever your transactions involve more than two systems or stakeholders.
Common use cases include card payments from terminal to settlement, retail flows from back-office to bank, as well as use cases in multi-entity groups, insurance, or marketplaces.
Three-way or multi-way reconciliations are found across many industries and add layers of complexity to financial and accounting operations.
Payments
Payment providers must reconcile their back-office (sales) data with that of PSPs, and then with the bank. With XREC, these three sources are automatically consolidated, providing a clear view of collections, fees, and settlements.
Multi-entity groups
International or multi-subsidiary groups must reconcile intercompany transactions, local reports, and consolidated flows at the holding level. XREC simplifies multi-way reconciliation by managing all internal and external sources simultaneously.
Card payment / POS
Each transaction from a POS terminal or ATM passes through a payments network (CB, Visa, Mastercard…), then a PSP or acquirer, before being settled by the bank. XREC automates the consolidation of all these steps, detects discrepancies (technical errors, fees, delays), and provides a transparent view of the entire cycle.
Insurance and mutual funds
Between front-office, brokers, insurers, and banks, flows related to premiums and reimbursements multiply quickly. Our multi-way transaction matching module enables precise, automated tracking of each step.
Marketplaces
Marketplaces handle complex flows between buyers, PSPs, the platform, and third-party vendors. XREC consolidates all these sources, ensures reliable payouts, and instantly detects anomalies.
A dedicated module for multi-way reconciliation
Handle your most complex reconciliations with our multi-way reconciliation module. Capable of integrating and comparing multiple sources simultaneously (banks, PSPs, back-office, card network, payment switch, etc.), it offers a consolidated view, detects discrepancies in real time, and automates their classification.
Thanks to collaborative workflows and advanced matching rules, you can reduce resolution times and secure your financial processes — even in multi-actor environments.
Designed for complexity
With its global comparison engine, XREC prevents duplicate matches and ensures complete reconciliation, even in the most complex environments.
Automated processing
The matching engine reconciles all data sources simultaneously, drastically reducing processing time and manual error risk. Automated matching — in one click!
Clear and consolidated vision
A visual report displays all compared sources at a glance. You get an accurate representation of your flows, facilitating monitoring and communication with your teams.
Calixys makes the difference for multi-way transaction matching
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