Payment Industry

Every gateway, bank and wallet reports differently, and settlement timing rarely lines up with your books. Kosh AI ingests it all and matches it in one view, in real time, with no code required.

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The challenge

Payment Data Moves Fast, and Rarely From Just One Source

Every payment intermediary reports differently, and settlement timing rarely lines up with your books. That gap is where revenue quietly leaks.

Multiple payment gateways and intermediaries, each with its own file format and settlement cycle.
Cross-border transactions add currency conversion, delayed settlement and extra fees to track.
Chargebacks, refunds and short settlements are easy to miss without a dedicated exception workflow.
Manual spreadsheet reconciliation cannot keep pace once transaction volumes scale.

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Payments team reviewing automated reconciliation in Kosh AI

How Kosh AI helps

Built for the Way Payment Data Actually Arrives

No-code configuration for every gateway, bank and wallet you already use, and every one you add next.

Multi-gateway & bank matching

Ingest data from every payment gateway and bank in its native format, and match one-to-one, one-to-many or many-to-many against your order and ledger records.

Real-time settlement tracking

Track settlements as they land, with dashboards that surface short payments, delays and currency mismatches the moment they appear.

Chargeback & refund workflow

Every chargeback, refund and exception is flagged, assigned and tracked until closed, with a full audit trail for compliance.

Multi-currency and cross-border reconciliation

Multi-currency & cross-border

Handle currency conversion, delayed cross-border settlement and fee differences without losing track of the original transaction.

Exception management

Unmatched and mismatched items are routed to the right person automatically, so nothing sits unresolved at month end.

Full audit trail & compliance

Every manual edit and match decision is logged, with SOC 2, GDPR and ISO 27001-aligned controls built in for your audit.

How it works

From Scattered Payment Data to a Closed Book

The same four steps, whichever gateways and banks you run on.

Connect your sources

Bring in gateways, banks and wallets via API or file upload — XLSX, CSV, PDF and more, no engineering required.

Match automatically

Kosh AI matches transactions one-to-one, one-to-many or many-to-many against your order and ledger records.

Review exceptions

Short settlements, chargebacks and mismatches are flagged and routed for review, so nothing gets missed.

Close with confidence

Reconcile and close in minutes, not days, with a full audit trail ready for your next compliance review.

Integrations

Connects to the Payment Gateways You Already Use

API or file-based, with no dependency on your tech team.

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Customer proof

A Payment Infrastructure Company's Results With Kosh AI

A nationwide payment company replaced manual tracking across many payment and bank accounts, and now handles up to 10 million transactions a month.

95%drop in man-hours
60%lower cost
100%accuracy

Read the full case study

Jithin Sreedhar, MyGate — **Jithin Sreedhar**MyGate

Talk to Us About Your Payment Stack

Tell us which gateways, banks or wallets you're reconciling today, and the Kosh AI team will show you how it fits your workflow.

Emailcontact@kosh.ai

Response timeWe usually reply within one business day.

Prefer to see it live?Book a demo instead

Frequently Asked Questions About Payment Reconciliation

Which payment gateways and banks does Kosh AI integrate with?

Kosh AI integrates with leading payment gateways such as Stripe, PayPal, Razorpay, PayU, Cashfree, Braintree and Paytm, and with banks directly, through API integration or file uploads. It is open to integrating with gateways not listed here.

Can Kosh AI reconcile transactions across multiple gateways at once?

Yes. Kosh AI ingests data from every gateway and bank you use and matches it against your order and ledger records with one-to-one, one-to-many, many-to-one and many-to-many logic.

How does Kosh AI handle chargebacks and refunds?

Chargebacks, refunds and short settlements are flagged automatically as exceptions. Teams can assign, route and track each one until it is resolved, with a full audit trail.

Does Kosh AI support cross-border and multi-currency payments?

Yes. Kosh AI can be configured for cross-border settlement timing and multi-currency data, so conversion and fee differences do not get lost between systems.

How fast is payment reconciliation with Kosh AI?

Automated matching typically completes reconciliation runs in under 60 seconds once your sources are connected, with dashboards updating in real time.

Is Kosh AI secure enough for payments data?

Kosh AI is SOC 2 and GDPR compliant and ISO 27001 certified. Personally identifiable information is encrypted or removed during ingestion, and data stays in your chosen geography on public or private cloud.

Ready to Automate Payment Reconciliation?

Book a demo and watch Kosh AI reconcile your own gateway and bank data. A sandbox is available to try your file formats first. Prefer email? Write to contact@kosh.ai.

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