Tallyrail reconciles two independent records of the same money — a payment processor against your bank, your bank against your internal ledger, an orders feed against a payout file. It matches what agrees and surfaces what doesn't, in real time.

Every source normalizes to one canonical transaction — amounts in minor units, ISO currency code, a normalized status — so matching is the same regardless of where the data came from. Matchers run in the order you choose; whatever can't be matched becomes a tracked exception with a full audit trail.

New organizations run a short setup wizard, then land in the app:

1. 1

   Create your organization. Sign up, name your organization, and start your 7-day free trial. There is no free tier — features unlock once a plan is active.

2. 2

   Connect a source. Add a payment processor by webhook, or upload a CSV/Excel file. A source is one side of a reconciliation.

3. 3

   Map your columns. For file sources, map your columns to the canonical shape. Tallyrail suggests a mapping automatically; you confirm or adjust it.

4. 4

   Create a matching rule. Pair two sources and choose which matchers run, in what order.

5. 5

   Work the results. Review matches on the dashboard and clear the exception queue — the records that didn't reconcile.

6. 6

   Report. Print or export reconciliation reports for finance and auditors.

A source ingests through exactly one adapter. Webhook adapters receive data in real time; file adapters ingest an upload.

Webhook

Paystack and Flutterwave — events are pushed to Tallyrail as they happen.

File — fixed format

Paystack CSV, bank-statement CSV, and internal-ledger CSV are parsed against a known layout.

File — map your own

Any CSV or Excel (XLSX) file — you map the columns yourself, so a new source is configuration, not code.

On the roadmap

Direct bank connections via Mono.

A rule pairs two sources and runs an ordered pipeline of matchers. You compose the pipeline; higher-signal matchers typically run first. Six matchers are available:

Exact reference

Matches on an identical reference or transaction ID.

Amount window

Matches on amount within a tolerance and a time window.

Fuzzy reference

Matches references that are close but not identical.

Counterparty name

Matches on a normalized counterparty / narration.

Batch settlement

Matches one large settlement against the sum of the smaller transactions that make it up.

Status consistency

Reconciles records whose statuses should agree.

Every match records why it matched and a confidence score, and any match can be reversed. AI backs the rules up: it adjudicates the borderline pairs with a written rationale, sweeps the unmatched long tail (auto-closing obvious non-pairs like fees and internal transfers), and learns from every pairing and unmatch your team makes. AI-touched matches stay advisory — a person can always override.

Anything that doesn't reconcile becomes an exception — the queue your operations team works. Six types are detected:

Unmatched

A record with no counterpart on the other side.

Duplicate

The same transaction ingested more than once.

Amount mismatch

A pair that lines up except on amount.

Late arrival

A counterpart that showed up outside the expected window.

Status mismatch

Two records whose statuses disagree.

Orphan settlement

A settlement with no underlying transactions.

Each exception carries a severity — low, medium, high, or critical — and moves through new → investigating → escalated → resolved, with every change captured in the audit log.

Close the loop for finance and auditors:

Reconciliation report

A printable report (Save as PDF) for a period.

CSV export

Transactions and exceptions as CSV.

Excel workbook

A multi-sheet XLSX workbook.

Daily digest

An optional email summary to your team.

Invite teammates from Settings. Each member holds one role:

Admin

Full access, including billing and team management.

Ops

Works reconciliation — sources, rules, matches, and exceptions.

Viewer

Read-only access to dashboards and reports.

Every account starts with a 7-day free trial with full access. There is no free tier: ingestion, matching, rules, and reports unlock once a plan is active. Plans are Naira-denominated and billed through Paystack — card, bank transfer, or USSD — and you can switch tiers or cancel any time from Settings → Billing.