Every fintech eventually weighs building this in-house. Pick a product, keep the pieces you'd actually need, and see roughly what it costs to build and run.
Ingestion, matching, exceptions, API access, and reporting — everything under one reconciliation engine.
1. Your operations today
What does reconciliation cost you right now?
Tell us your volume and how much you already automate. Then break down what you spend on automation engineers and on the team handling the exceptions that fall through.
Monthly transaction volume500,000
Transactions to reconcile per month, across all sources.
Automation team
Team members writing rules, building integrations, and pushing the automation rate higher. Toggle off if no one is doing this on an ongoing basis.
Team location
Time spent on automation1 person
Exception handling
The ops team that picks up whatever the automation doesn't. The harder these levers, the more painful the current state.
Team location
People in investigations team2 people
Assumes ~20 minutes to investigate and resolve a single exception.
Annual cost of reconciliation today
$407,250
Automation engineers
$180,000
1 × $180,000
Exception handling
$227,250
2 × $90,000 × 1.26
2. The verdict
Yearly cost
Stay manual
Do nothing
Annual cost
$407,250
No upfront cost — this is the ongoing run-rate
Automation engineers$180,000
Exception handling$227,250
Cost / month$33,938
Doesn't include
· Costs scale with growth
· Write-offs from unresolved exceptions
· Ops attrition
Build it yourself
In-house reconciliation
3-year cost
$949,613
~$316,538/yr blended, build spread across 3 years
Up-front build$225,000
Run cost × 3 yrs$724,613
Blended / yr$316,538
Blended cost / month$26,378
Doesn't include
· Discovery, hiring, and ramp time
· Engineering opportunity cost
· Time-to-value while you build
Buy
1Layer — Reconciliation
Annual cost
Get a quote
Pricing scales with volume and integrations.
Continuous reconciliation from day one — no ramp-up curve
API-first access to differences, exceptions, and resolutions
Dashboards, audit trails, and exception workflows inherited
