For processors and gateways

Every merchant payment matched, at any volume

End Close reconciles every transaction, settlement and payout across your banks and networks daily, so errors are caught before your merchants even see them.

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What we reconcile for processors and gateways

ACH processors

NACHA files and ACH returns matched to each originated payment and merchant.

What changes forprocessors and gateways

  • Funding errors caught the same day

    Every settlement is matched to the transactions behind it daily, so short or failed payouts are flagged before merchants have to chase you.

  • Returns and chargebacks matched as they land

    ACH returns, chargebacks and reversals are tied to the original payment and merchant the day they arrive, so recovery starts while the funds are still available.

  • Reconciliation that keeps pace with volume

    Match millions of transactions in minutes with deterministic rules, and agents take on exception work, so growth doesn’t mean a longer backlog.

  • Breaks resolved, not written off

    Agents investigate every unmatched item and route it to an owner, so aged breaks don’t pile up until the only option left is a write-off.

How processors and gateways use End Close

From the transaction, to the network settlement, to the merchant’s bank account.

Add a sponsor bank, a second ACH processor or a new card network without a new build. Every feed is parsed and normalized into one view.

Sponsor banks
  • Cross River
  • Column
  • Chase
Card networks
  • Visa
  • Mastercard
  • American Express
Warehouse
  • Databricks
  • Snowflake
  • Google BigQuery
9 sources synced SyncingUpdated 1s ago

One platform for every merchant and network

Connect your banks, networks and processing platform once. End Close reconciles them continuously and gives finance and ops one view of every merchant’s money.

Your systems

  • Banks

    • Cross River
    • Column
    • Chase
    • Wells Fargo
    • Bank of America

  • Card networks

    • Visa
    • Mastercard
    • American Express

  • Gateways

    • Stripe
    • Adyen
    • Worldpay
    • Airwallex
    • Dwolla

  • Core/​ledger

    • Modern Treasury
    • Formance
    • Fiserv

  • Warehouse

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

  1. Reconcile

    Match every settlement daily, at transaction level.

  2. Exceptions

    Agents investigate each break and log the fix.

  3. Monitoring

    Alert when merchant funds don’t move as expected.

  4. Report

    Build merchant, partner and audit reports.

Output

What finance gets

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

Commonly asked questions from processors and gateways

Can End Close handle our transaction volume?
Yes. Matching runs on deterministic rules built for high volume, so millions of transactions are matched in minutes, and back-tested rule updates ensure automation rates increase over time.
We built reconciliation in-house. Why switch?
In-house systems usually cover the obvious matches, but updates and maintenance become a burden on engineering teams once they’re live. End Close handles the pipelines, rules and exceptions, and can run in parallel until the numbers match.
Can you reconcile NACHA files and ACH returns?
Yes. NACHA files are matched against bank and processor data, and every return is tied to the original entry and merchant, including unauthorized returns that arrive up to 60 days later.
Do you support multiple sponsor banks and networks?
Yes. Each bank and network feed is parsed and normalized, whether it arrives as BAI2, MT940, CSV or PDF, so adding a new partner doesn’t require a new build.
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.

See every settlement matched to the cent

Bring up to six months of settlement, bank and merchant payout data. We’ll reconcile it for free and walk you through every exception.

Contact us