For fintechs and banks

Know where every customer dollar is, at every bank

End Close ties your internal ledger to every partner bank, processor and card network each day, so customer balances add up and every bank partner report is evidence-backed.

Book a demoSee how it works

What we reconcile for fintechs and banks

Neobanks & wallets

Card, ACH and real-time payments matched to each customer balance and partner bank.

What changes forfintech and bank teams

  • Balances verified against cash daily

    Your ledger is checked against every bank and processor daily, at transaction level. A balance that doesn’t add up is caught the day it happens, not at month end.

  • On demand answers for bank partners

    Partner statements, audit packs and regulatory reports come straight from reconciled data, with the evidence behind every match, adjustment and write-off.

  • Returns caught while they’re recoverable

    ACH returns can land up to 60 days after settlement, and partners can debit your accounts without warning. End Close flags both as they arrive.

  • Add new rails and banks, without the backlog

    Add a partner bank, processor or payment rail while your engineers stay on the product. Managed pipelines mean reconciliation is ready when your launch is.

How fintechs and banks use End Close

From your ledger, to every partner bank and processor, to your GL.

Add a second partner bank or a new processor without a new build. Every feed is parsed and normalized, whether it arrives as BAI2, MT940, CSV or PDF.

Partner banks
  • Cross River
  • Column
  • Chase
Card issuing
  • Marqeta
  • Lithic
  • Highnote
Ledger & warehouse
  • NetSuite
  • Snowflake
  • Google BigQuery
9 sources synced SyncingUpdated 1s ago

One platform for every rail and partner bank

Connect your ledger, partner banks and processors once. End Close reconciles them continuously and gives finance, ops and compliance one version of the truth.

Your systems

  • Partner banks

    • Cross River
    • Column
    • +100s more

  • Card issuing

    • Marqeta
    • Lithic
    • Highnote

  • Processors/​Gateways

    • Stripe
    • Adyen
    • Primer
    • Airwallex

  • Ledger /​ ERP

    • Modern Treasury
    • Formance
    • Campfire
    • NetSuite

  • Warehouse

    • Snowflake
    • Google BigQuery
    • Databricks
    • In-house
End Close

  1. Reconcile

    Match ledger to bank daily, down to the transaction level.

  2. Exceptions

    Agents investigate each break and log the fix.

  3. Monitoring

    Alert when funds don’t move the way they should.

  4. Report

    Build partner, audit and regulatory reports.

Output

What finance gets

  • Reconciled ledger
  • Exported journal entries
  • Resolved exceptions
  • Balance alerts
  • Audit-ready reports

Commonly asked questions from fintech and bank teams

Can you reconcile our ledger against our FBO accounts?
Yes. End Close matches every ledger entry to activity in each FBO, settlement, clearing and operating account at the transaction level, so you can show every customer balance is backed by cash at the bank.
We work with more than one partner bank. Is that a problem?
No. Most fintechs add a second bank as they grow. Each bank’s files are parsed and normalized, whether they arrive as BAI2, MT940, CSV or PDF, so a new bank doesn’t mean a new build.
Will our auditors and bank partners accept your records?
Matching runs on deterministic rules, so the same inputs always give the same result. Every match, adjustment and write-off is logged with its reason and approver, ready for audit or partner review.
Where does AI fit in?
AI agents investigate exceptions, propose fixes and keep matching rules up to date, back-testing every change to increase automation rates over time. Matches themselves come from rules you can inspect, and sensitive actions can wait for human approval.
How long does it take to go live?
Typically weeks. We manage the pipelines from your banks and processors, with engineering support for the integration, so your team isn’t building ingestion before you reconcile a single transaction.

Send us your bank files. We’ll reconcile them.

Bring up to six months of historical ledger and partner bank data. We’ll reconcile it for free and walk you through every exception.

Contact us