Payout & Reconciliation Mechanism Software Development
Automate disbursals, control payout logic, and close your books faster with custom-built, API-first infrastructure — built for scalability, compliance, and fund accuracy.
What We Build?
Merchant Disbursements
Mass payouts with FX, TDS, invoice mapping & fallback routing.
Platform Commissions
Split & settle revenue across partners, vendors, and operators.
Contractor & Gig Payouts
Flexible one-time or milestone-based payout orchestration.
Cross-Border Remittances
Automated routing, conversion, and compliance-ready fund flow.
Escrow Releases
Condition-based partial/full disbursement handling.
Transaction Matching
Real-time 1:1 or 1:N recon across banks, PGs, and ledgers.
Bank File Parsing
Support for MT940, CAMT, XLS, and API-based reconciliation.
Revenue Accounting
Sync to ERP or GL with accurate income attribution.
Dispute Resolution
Handle exceptions with approval routing and tagging.
Audit & Compliance Logs
Export-ready reports for tax teams and regulatory filings.
Core Capabilities – Payout Layer
We develop granular control layers with configurable approval workflows, maker-checker flows, and role-based access controls.
Set transaction-level limits by user, region, or entity. Risk flags, exception tagging, and audit logs are built-in for compliance-sensitive operations
- Scheduled & on-demand payouts
- Rule-based partner/merchant disbursement logic
- Multi-leg routing & fallback retries
Enable payouts in 50+ currencies with FX conversion logic, mid-rate markups, and buffer handling.
Our engine supports local bank disbursements, SEPA, SWIFT, wallet-based payouts, and cross-border card pushes — all with automatic currency detection and ledger adjustment.
- FX-ready disbursals with conversion logic
- Bank, card, wallet, and UPI payout rails
Enable payouts in 50+ currencies with FX conversion logic, mid-rate markups, and buffer handling.
Our engine supports local bank disbursements, SEPA, SWIFT, wallet-based payouts, and cross-border card pushes — all with automatic currency detection and ledger adjustment.
- Multi-approval workflows
- Role-based limits & audit trails
- Configurable risk flags
Core Capabilities – Reconciliation Engine
We combine precision-led engineering with automation to deliver a fault-tolerant reconciliation engine, built to verify every transaction and settlement with confidence.
Embedded Monitoring & Ops Console
Track payouts, spot anomalies, and manage user roles — all from a unified console built for ops, finance, and compliance teams.
Developer-First System Architecture
Our wallet infrastructure is designed for resilience, auditability, and developer velocity — modular, scalable, and fintech-grade.
API Gateway
Unified entry point with token-based access and rate-limiting for secure external integrations.
Event Queues
Real-time event stream for transaction state, retries, webhook dispatch, and observability.
Payout Microservices
Isolated microservices for disbursals, splits, scheduling, and retries — horizontally scalable.
Ledger Engine
Double-entry abstraction with audit trails, currency separation, and reconciliation hooks.
Embedded Monitoring & Ops Console
Live Payout Tracker
View initiated, pending, completed batches
Anomaly Detection
Monitor velocity, disbursal patterns, duplicates
Ops Reports
Filterable by entity, channel, transaction type
Compliance Logs
Export audit trail with user actions & approval layers
Role Permissions
Multi-department access (ops, finance, tech)
Use Cases
We help PSPs launch secure, acquirer-agnostic EMV and SoftPOS stacks — complete with merchant-configurable flows, dynamic host routing, and remote terminal management tools.
Our software layers are optimized for multi-merchant support, fast integration, and real-time reporting.
For marketplaces handling suppliers, vendors, or agents, we develop logic-based fund distribution layers. Automate payment splits, commission holds, and milestone-based release workflows.
Sync directly with your ERP or invoicing system and reconcile at line-item level.
Region-specific onboarding integrations with Trulioo, Sumsub, IDNow, and others. Features include document OCR (MRZ, selfie, proof of address), liveness detection, video KYC, sanctions screening, adverse media checks, and politically exposed person (PEP) classification.
We support AML transaction monitoring rules, case management workflows, and audit logging for compliance teams.
Connect seamlessly with QuickBooks, Xero, NetSuite, SAP, and other ERP suites. Map transactions to general ledger accounts, automate settlement reconciliation, and generate real-time P&L summaries.
Custom chart-of-accounts mapping, tax code syncing, invoice batching, and financial period locking supported via API or SFTP-based data exchange.
Why PrimeFin Labs?
Fintech Focus
10+ years building wallets, gateways, and payout systems
White-Label
Launch branded platforms with pre-built modules
Modular by Default
Integrate payout, ledger, or reconciliation separately
Global Compliance-Ready
PCI, SOC2, GDPR, regional laws
Purpose-Built Architecture
Not repurposed accounting tools
Proven at Scale
Designed for high-volume, multi-entity operations