Automatic bank reconciliation
Automatic bank reconciliation for your business
Verify Pago Móvil and transfer payments without checking screenshots one by one. Connect your bank or validate receipts through chat, and let Kharyo confirm to your customer automatically.
What automatic bank reconciliation is
Automatic bank reconciliation is the process of verifying that a payment a customer reports matches a real transaction, without anyone at the business having to check a bank statement or compare screenshots by hand. Kharyo does this by connecting directly to the business's bank or by validating the receipt the customer sends through chat.
Unlike checking payments manually, automatic reconciliation reduces human error (mixing up an amount or a reference) and frees the team from having to watch the bank statement all day.
How it works
Three steps, with no one having to check a payment by hand.
Your customer pays and reports it
The customer pays by Pago Móvil, transfer, or wallet, and reports the payment or sends the receipt in the same chat where they're buying.
Kharyo verifies the payment
If your bank is connected, Kharyo queries the transaction directly or receives the bank's notification. If not, it verifies the receipt your customer sent.
Automatic confirmation
The chatbot confirms the payment to your customer in the same conversation, with nothing for your team to check manually.
Connect your bank in minutes
Three banks with direct connection. Each one is set up from the panel with the details your business already has.
Banco de Venezuela
Connect your BDVenLínea Empresa account and Kharyo verifies every Pago Móvil payment directly with the bank.
You'll need:
- Your BDVenLínea Empresa production API key
- The phone number affiliated with your PagomóvilBDV
Mercantil
Connect with the Mercantil API credentials your business already has, and Kharyo verifies every Pago Móvil payment by querying the bank directly.
You'll need:
- Your Mercantil API credentials (Client ID, Secret Key, Merchant ID, Integrator ID, and Terminal ID)
- Your business phone number
R4 Conecta (Mi Banco)
The simplest connection: the bank notifies Kharyo the moment a payment clears, with nothing for you to query.
You'll need:
- Your business phone number
- Your RIF or national ID
Your keys and secrets are stored encrypted and only used to verify payments. Learn about our security
Is your bank not on the list?
You don't need a direct connection to automate reconciliation.
Receipt verification
Your customer sends the payment receipt through chat and Kharyo verifies it, without you having to check it by hand.
Wallets
Connect Binance Pay with a read-only API key and Kharyo automatically verifies the USDT payments your customers report.
Frequently asked questions
What businesses most often ask when they want to stop checking payments by hand.
How does Kharyo verify a Pago Móvil or transfer payment?+
When you connect a supported bank, Kharyo queries the transaction directly or receives the bank's notification the moment the payment clears, without anyone on your team having to check screenshots. If your bank isn't among the connectable ones, your customer sends the receipt through chat and Kharyo verifies it the same way.
Which banks can I connect directly?+
Today you can connect Banco de Venezuela, Mercantil, and R4 Conecta (Mi Banco). The connection is set up from the panel, under Conciliador → Bancos, with the details your business already has.
What happens if my bank isn't among the connectable ones?+
Your customer reports the payment or sends the receipt through chat, and Kharyo verifies it the same way, without needing a direct connection to that bank.
Are my bank credentials safe?+
Yes. Your keys and secrets are stored encrypted and only used to verify payments.
Can I receive and verify payments in Binance Pay?+
Yes. You connect a read-only API key from your Binance account and Kharyo automatically verifies the USDT payments your customers report.
Can I connect more than one bank or wallet at a time?+
Yes. You can connect the banks and wallets you use in your business; Kharyo verifies every payment against the matching connection.
Stop checking payments by hand
Connect your bank or turn on receipt verification through chat, and confirm every payment to your customer without friction.
- Set up your first workflow today
- WhatsApp + Voice + Payments integrated
- Human support when you need it
No lock-in. Set up your first workflow today.
