Payment reconciliation for African mobile money

Millions match themselves. You see the few that don't.

Kontrol Ops matches every transaction across your payment platform, aggregators and mobile-money operators. Purpose-built for African payments, it runs for every brand, every day. Your finance team sees only what needs a human, and why.

Every transaction matched across your platform, aggregators and mobile-money operators. Your finance team sees only the exceptions — and why.

2M+ transactions per day · Built for scalePurpose-built for African mobile money
The daily loop

Three sources in.
One reconciled position out.

Your team already does this in a spreadsheet. Kontrol Ops runs the exact match cascade you'd run by hand, automatically, at any volume, in minutes instead of days.

87s
to reconcile a full day
(165K transactions)
~95%
matched automatically,
untouched
1
Ingest

From inbox to reconciled, untouched

Forward your settlement files, or let your platform push them in. Kontrol Ops applies your saved column mapping, flags anything unexpected, and fires the moment all your sources are in. No manual upload.

2
Match · the engine

The match cascade runs

Clean exact matches first, then the harder ones: status mismatches, timing gaps, partial references. Every transaction ends up accounted for, each one landing matched, partial or unmatched, with a confidence score and a reason.

3
Resolve

Only exceptions reach a human

The dashboard shows value at risk and a ranked worklist. Each exception comes with a plain-English explanation and a suggested next step.

The platform

Built for the way merchants actually work.

One independent system across every brand, every market, every provider, with the exports your auditor already accepts.

Explained exceptions

Every mismatch arrives with a likely cause and a recommended next step, in plain English, not raw files.

165Ktransactions
12flagged
€2,480at risk
PAY-3B7E0992MEDIUM RISK
€119.00 platform  €118.50 MTN
Likely a provider fee deducted at settlement. €0.50 matches MTN's standard rate for this corridor.
Accept fee variance →

Every brand, one view

All markets in one org. Volume rolls up; results stay separated per brand.

Exports auditors accept

One-click Excel & PDF with the full who-resolved-what trail.

Settlement position per provider

Reconcile what each partner collected, settled and charged against your records: deposits, withdrawals and fees. See exactly where settlement is lagging or short.

Purpose-built for African payments

Networks that go down, callbacks that arrive late, settlements in batches, references reused: all reconciled cleanly across your providers and aggregators.

See it in action

The exceptions, surfaced and explained.

A reconciliation run in the product: value at risk up top, a ranked worklist below, and a plain-English reason on every mismatch, exported to Excel or PDF in one click.

Reconciliation
Rwanda · sample run · 14 Jun 2026
Export
164,978
Matched
35
Partial
19
Unmatched
€2,480
Value at risk
MatchedPartialUnmatched
TypePlatformAggregatorMNOConf.Discrepancy
Deposita2b01krpte1gswej…1,900 · Successa2b01krpte1gswej…1,900 · Success70%Missing in MNO
Deposita2b01krmzqrhqby0…2,500 · Successa2b01krmzqrhqby0…2,500 · Success70%Missing in MNO
Explained
Two deposits confirmed on the platform and aggregator but absent from the MNO statement, consistent with an MTN callback that landed after the day's cutoff. Likely settles on the next file; flag if it doesn't.
Accept & carry forwardOpen in worklist

Value at risk, at a glance

The total unmatched value, summed across every currency: the number your CFO asks for first.

A reason on every exception

Each mismatch comes with a likely cause and a next step, in plain English, not a raw error code.

Audit-grade export, one click

The full run exports to Excel or PDF for your auditor: matched, partial, unmatched, and who resolved what.

Pricing

Priced on volume. Never on runs.

Pick a tier by your monthly transaction volume across every brand. Reconciliation runs are unlimited on every plan — you only ever pay for volume.

Contact

See it run on your own files.

Bring one day of real exports from one brand. We'll reconcile them live on a call and show you the exceptions you're currently catching by hand, or missing.

info@kontrol-ops.com
We reply within 1–2 business days
Operating across Sub-Saharan Africa

No card required. We'll never share your data.

Book a demo