Built in Lagos for African fintechs
Two ledgers disagree about the same money. Tallyrail shows you where.
Reconciliation infrastructure for African fintechs. Drop in your wallet ledger and your settlement bank ledger — Tallyrail matches what reconciles and surfaces every missing settlement, amount mismatch, duplicate and late arrival.
Reconciliation overview
Dashboard
Matched
12,418
Volume
₦2.4B
Exceptions
31
Payment rail → ledger
Reference match
Batch settlement · 87 legs
Batch matcher
Unmatched credit · ₦2,400,000
No counterpart
5
Matching strategies
4
Source connector types
Real-time
Ingestion & detection
Every change
Captured in the audit log
The problem
Reconciliation in African fintech is broken.
Two books, two stories
Your wallet ledger says one thing. Your settlement bank ledger says another. Same money, same day, different numbers.
Manual matching
Your ops team lives in spreadsheets. Half their week is downloading CSVs and cross-referencing PDFs.
Silent leakage
Failed settlements, amount drift, duplicate credits, late arrivals — they pile up unnoticed. The CEO finds out at audit time.
Two ledgers, more spreadsheets, more leakage nobody sees until audit. Adding a third rail makes it worse. It's the same story across African fintech.
How Tallyrail works
Two ledgers in. One source of truth out.
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Step 1
Ingest
Drop in your wallet ledger and your settlement bank ledger — CSV or Excel, you pick the columns. Add payment processors and direct bank feeds as you grow.
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Step 2
Normalize
Every source maps to one canonical transaction shape — amounts in minor units, ISO currency, normalized status. New sources are adapters, not new code.
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Step 3
Match
Five matchers run in priority order: exact reference, amount window, batch settlement, fuzzy reference, status consistency. Every match is explained, scored, and reversible.
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Step 4
Surface
Anything unmatched becomes an exception with severity, context, and a full audit trail. Ops works the queue; nothing falls through cracks.
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Step 5
Report
Daily digests to your team. Printable reconciliation reports for finance. CSV exports for auditors. A real-time dashboard for everyone.
Who it's for
Built for African fintechs running 3+ payment rails.
Treasury & Finance
Stop closing books from spreadsheets. See cash position across every rail in one view.
Operations
Stop being the human reconciliation engine. Get exceptions surfaced as they happen, not at end of month.
Engineering
Stop writing one-off scripts. Source adapters, matching rules, and audit logs as configurable infrastructure.
Why us, why now
Made in Lagos, for the rails you actually use.
Local-first by design.
Built around Naira-denominated rails. Paystack and Flutterwave as first-class sources. Africa-specific patterns like batch settlement netting, included by default. Direct bank connections via Mono are on the roadmap.
Priced for the African market.
Naira primary, USD reference. No surprise FX exposure on your monthly bill. Starter at ₦450k. Growth at ₦1.8M. Pay via Paystack — card, bank transfer, or USSD.
Get started
Talk to us about your reconciliation.
Tell us how many rails you run and where reconciliation hurts. We reply within one business day.
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