Industries/Payment processors
Settlement recon atprocessor scale.
Processors ingest enormous settlement files with interchange, chargebacks, and reserves. FinanceAI matches totals and exceptions to GL, reviews merchant KYB packs for policy gaps, and explains flux on reserve and interchange accounts during close.
BSA/AML for money services businesses, card network rules, and safeguarding of merchant funds.
Challenges in payment processors
Net settlement vs detailed GL
One bank credit bundles thousands of merchant movements.
Merchant KYB at boarding scale
High-risk MCCs need consistent UBO and screening evidence.
Reserve and chargeback accounts
Material month-over-month flux without narrative slows audit.
Workflows with human checkpoints
Settlement to cash
Reconciliation Agent- Today
- Treasury matches net settlement to summary GL; breaks researched in SQL.
- With the agent
- Agent suggests one-to-many ties and flags missing chargeback batches.
- Human checkpoint
- Treasury approves manual match sets above threshold.
Merchant boarding
KYC Agent- Today
- Underwriters read PDFs and tick checklists.
- With the agent
- Agent highlights UBO gaps and adverse media for analyst focus.
- Human checkpoint
- Underwriting manager approves boarding or requests docs.
Interchange and reserve flux
Close Agent- Today
- FP&A builds flux slides from warehouse queries.
- With the agent
- Close Agent links flux to settlement detail references.
- Human checkpoint
- Controller approves accruals on reserve true-ups.
Documents you can test
Questions
Real-time reconciliation?
Batch reconciliation is the typical pilot; intraday files can be added when ops requires them.
Chargeback matching?
Reference tokens from network files are mapped during pilot to your GL references.
Try settlement bank file for payment processors
Use dummy documents in the trial or explore the Aster Bank live demo. Every agent step is logged before anyone approves a journal or disposition.