Settle Large volumes of UPI transactions efficiently

UPI Recon is cloud-ready payment reconciliation software that automates the entire payment reconciliation process for high-volume IMPS and UPI transactions. Its core functions are:
• Automated file import: pulls switch, NPCI (National Payments Corporation of India) and core-banking files on schedule
• Rule-based matching: clears exceptions in seconds and posts entries to the GL
• End-to-end audit trail: keeps every settlement step regulator-ready

Payment reconciliation (or bank reconciliation transactions) is the act of comparing internal ledgers with external settlement files to identify and resolve mismatches. In the context of UPI:
• NPCI files: daily settlement and reversal files that must match CBS (Core Banking System) records
• Risk control: timely matching prevents double debits, revenue leakage and compliance breaches
• Regulatory alignment: accurate books meet NPCI UPI operating and settlement guidelines and accelerate the UPI settlement processUPI Recon automates these steps, cutting manual effort, accelerating UPI settlement and improving financial accuracy.

UPI Recon supports multiple rails to give full coverage:
• IMPS and UPI (P2P, P2M)
• POS and e-commerce aggregators
• Pre-paid or cash cards
• Mobile recharge and bill-payment vouchers

The system follows a structured workflow:
• Pulls NPCI settlement and reversal files automatically
• Nets, ages and posts entries according to guideline thresholds
• Generates statutory UPI settlement reports for finance and risk teams

Finance teams struggle with manual matching, delayed settlements, dispute backlogs and limited real-time visibility. UPI Recon removes these pain points and delivers:
• Up to 95 percent faster matching and posting
• Near-zero manual keying, slashing error rates
• Automated dispute and chargeback workflows
• Audit ready, RBI compliant trails for every transaction

An automated case module handles the full dispute lifecycle:
• Creates four eye queues for review and approval
• Produces ageing, debit/credit adjustment and write-off reports
• Stores supporting documents for every resolution cycle

Risk and finance teams receive live insight through:
• Widgets showing float, unmatched items and top counterparty exposure
• Basel, pledge and MIS exports in Excel or JSON
• Drill-downs for exception ageing and recovery status

Integration relies on three standard interfaces:
• REST APIs push reconciled entries to core banking and ERP ledgers
• SFTP / file adapters import raw data from switches and settlement servers
• Unified mapping layer removes the need for custom code

Deployment follows a proven four-step timetable:
• Data mapping and sandbox testing
• User training and parallel run
• Production cut-over within 4 to 6 weeks
• Horizontal scaling to process millions of daily records without delay

UPI Recon meets stringent BFSI requirements through:
• TLS 1.3 encryption in transit and AES-256 at rest on ISO 27001 infrastructure
• LDAP-based Role Based Access Control (RBAC) with granular audit logs
• Scheduled vulnerability scans aligned with RBI cyber advisories

Lenders and PSPs typically achieve:
• 50–60 percent lower processing cost
• 40 percent faster dispute closure
• Significant reduction in manual reconciliation risk within six months

Adoption is quick and transparent:
• Book a live demo with Landmark Systems and Solution's team
• Sign and confirm scope
• Receive sandbox access within 4 to 5 business days
• Choose SaaS subscription or perpetual licence and schedule go-live