Worthy matches settlement to bank deposit to gateway transaction across all your processors in one workflow. Variances surface automatically with source attribution, so your team spends the close on analysis instead of admin.
90%
Less time spent on reconciliation versus a manual close
One format
Normalized across every processor and payment method
Automatic
Variance detection with source attribution
T+1
Settlement visibility on eligible processor routes
Stop chasing files. Start closing books.
Three problems make reconciliation painful at multi-processor scale: matching, format chaos, and unexplained variance. Worthy handles all three.
Automate settlement matching
Less chaos, more control
Intelligent matching removes the manual downloads and spreadsheet dependency that make month-end unpredictable. Transactions, settlements, payouts, and bank deposits reconcile against each other automatically, so exceptions are the only thing your team touches.
Automatic daily file retrieval from every connected processor
Many-to-one and split-settlement matching handled natively
Exceptions queued with the underlying records already attached
See costs, protect margin
Know exactly what you are paying
Hidden fees, currency markups, and inconsistent processor charges are hard to see when every statement uses a different format. Worthy normalizes them so you can tell what each transaction actually cost and where your margin is going.
Effective rate calculated per processor and per transaction type
Interchange, scheme, and processor markup separated cleanly
Variances against expected pricing flagged automatically
Unified reporting
Standardize data, simplify reporting
Stop juggling files that each describe the same events differently. Worthy unifies payment and settlement data into one consistent format, so your team stops patching files together and starts making decisions from them.
One consistent schema regardless of processor
Ready to load into your ledger without transformation scripts
Historical data re-exported in the same format on demand
For engineering
No custom scripts, no per-processor mapping, no brittle parsing job that breaks when a provider changes a column. One consistent file format that drops into your finance stack with minimal code.
Single schema across all processors
Webhooks and scheduled exports
No parsing logic to maintain per provider
For finance
From matching through reporting and insight, finance gets the visibility to move independently and close month-end faster without filing an engineering ticket for every question.
Self-serve exception review and resolution
Close-ready reporting without engineering
Full audit trail on every adjustment
Everything the close depends on
The details that decide whether reconciliation is a two-day exercise or a two-week one.
Automatic retrieval
Settlement files pulled from every connected processor daily, without anyone remembering to download them
Ledger-ready export
Normalized output that loads into your accounting system with GL coding already applied.
Variance attribution
Every unmatched amount carries a probable cause and the underlying records, so review starts with context.
Full audit trail
Every match, adjustment, and manual override records the operator, timestamp, and reason.
Worthy reconciles across every processor connected to your account, and the list expands continuously. Where a processor publishes settlement detail, that detail is normalized into the same schema as everything else. Talk to our team about your specific providers and we will confirm coverage directly.
Yes. Payments processed outside the platform still appear in the unified report so your view stays complete. There is less data available to enrich those records with, so matching confidence is generally lower than for volume processed through Worthy.
Fees are broken out in a standardized way alongside sales, refunds, and adjustments, including currency conversion and processor charges wherever the provider publishes that detail in their settlement reporting.
Most reconciliation deployments are live within weeks rather than quarters, since the heavy work is on our side. The variable is usually how your accounting system expects to receive data, which we scope on the first call.
Costs Overview
Spot fee leakage, benchmark processors, and reroute volume to protect your margin.
Observability & Monitors
Real-time visibility across your stack, with always-on monitors that alert before customers notice.
Accounting Exports
Push settled payment data into your ledger with GL coding already applied.
Bring your current close process and the processors you run today. We will show you what reconciliation looks like when the matching happens before anyone opens a spreadsheet.
