Everything your in-house recon should be, already built

Most in-house builds match the payments you expected and stop there. End Close is a complete product your finance team runs every day, with managed pipelines, rules they can change and an audit trail.

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Of transactions matched automatically
99.999%
To go live, with our team on the integration
2–6 weeks
Typical in-house build before the first live recon
6–18 months
With pipelines built and run by us
Managed solution

Internal tooling vs a product finance relies on

An in-house build answers one question: did the payments we expected arrive? End Close answers that too, then handles the returns, reversals, format changes and exceptions that follow.

End Close

Transaction-level reconciliation that runs daily, across every system money moves through.

Banks, processors and ledger feed End Close, which matches each transaction across every source, every day.

Best for teams that

  • Want finance to own reconciliation day to day
  • Want engineers back on the product roadmap
  • Add banks, processors and rails as they grow
  • Need an audit trail their auditors will accept
  • Want an independent check on their own ledger

In-house build

Matching scripts and rules your engineers write and maintain, usually next to your ledger.

Bank and processor files feed scripts your engineers maintain, which check them against your ledger.

Best for teams that

  • Have a team that will own recon for years
  • Reconcile one bank and one processor
  • Rarely see returns or reversals
  • Prefer every rule to live in their own codebase
  • Have engineers free to add new banks and processors

Why payments teams choose End Close over building in-house

Maintained for you

Pipelines, matching, exceptions and reporting are built and maintained by a team that works on nothing else. In-house builds typically lose their engineers to product work once the first version ships.

Built for the edge cases

Returns weeks after settlement, processor debits with no webhook, a bank changing its file format: End Close handles them out of the box. In-house builds usually cover only the matches you expected.

Run by finance, not engineering

Your team reviews exceptions, approves fixes and changes rules without filing a ticket, and every action is logged. In-house rules usually live in code that one engineer understands.

End Closevs.Building in-house

Transaction matchingMatching transactions across banks, processors and your ledger.
End CloseYes, 99.999% automated
Building in-houseYes, for the cases you build
Data pipelinesBank and processor files, reports and APIs, kept running.
End CloseManaged by End Close
Building in-houseBuilt and fixed by your engineers
Returns, reversals and disputesPayments that change state weeks after they settle.
End CloseYes, built in
Building in-houseOften left for a later version
Exception workflowAn owner, an investigation and a resolution for every break.
End CloseYes, with AI investigation
Building in-houseUsually spreadsheets and chat
Time to go liveFrom kickoff to first live reconciliation.
End Close2–6 weeks
Building in-house6–18 months
Audit trailWho matched, adjusted or wrote off what, and why.
End CloseYes, every action logged
Building in-houseOnly what you build and keep
Rule changesUpdating matching logic when a bank or processor changes.
End CloseAgents propose and back-test them
Building in-houseAn engineering ticket

See End Close on your own transaction data.

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Where payments teams outgrow in-house recon

An in-house build works while volume is low and your banks and processors stay the same. As you grow, four limits tend to show up.

Engineers move on

Once the first version ships, recon loses out to customer work and fixes wait in the backlog.

Edge cases pile up

Returns, reversals and unexpected debits weren't in version one, so they end up back in spreadsheets.

One person understands it

Rules live in code only the original engineer knows, so every change waits for them and creates real risk if they leave.

No independent check

The team that moves the money is also the only one confirming it moved correctly.

Questions about replacing an in-house build

Does End Close work with the ledger we built?
Yes. End Close reads your ledger by API, file or warehouse sync and reconciles it against your banks and processors. Your ledger stays your system of record.
Why not build it ourselves with AI?
AI can get you a working prototype quickly. Running it in production means pipelines, edge cases, an audit trail and someone on call when something breaks. The upkeep is the cost, not the first build.
Do we lose control of our matching logic?
No. Matching runs on deterministic rules you can read and change. AI agents propose rule changes and back-test them against your history before anything goes live.
What happens to the reconciliation we run today?
Keep it running. We reconcile up to six months of your history for free, then run End Close alongside your current process until the numbers tie out.
Will our auditors accept End Close?
Every match, adjustment and write-off is logged with its reason and approver, and End Close has SOC 2 Type 1 and Type 2 reports.

Retire your in-house recon without a rewrite

  1. 01

    Six months reconciled, free

    Send us your history and we walk you through every exception it finds.
  2. 02

    We run the integration

    Pipelines, rules and history set up by our team, not your engineers.
  3. 03

    Parallel run

    Keep your current system live until the numbers tie out.

Bring up to six months of history. We reconcile it for free, then run alongside your current system until the numbers tie out.

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