Inbox + Reconciler

Chatbot + Kharyo Listener: the collection closes itself, with no human intervention

The chatbot provides payment details, the customer transfers, Kharyo Listener captures the bank notification and the chatbot confirms instantly. The full collection cycle on WhatsApp, with no human involvement.

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Built on the stack you already use

The problem

The chatbot provides payment details, but a person still verifies the transfer

Many businesses already have a chatbot that answers questions. But when it comes to payment, the flow breaks: the bot provides the transfer details, the customer pays, and then someone on the team has to check the bank, confirm the amount, reply to the customer and update the system. That "someone" is the bottleneck.

The outcome is predictable: late confirmations, customers asking "I already paid, when will you confirm?", and administrative staff trapped in a task a machine can do better and faster.

The Kharyo solution

Kharyo connects the chatbot with the Reconciler: when payment arrives, the cycle closes automatically

Kharyo connects the Inbox module (chatbot) with the Reconciler in a native flow. The chatbot serves the customer, provides the amount and payment details. When the customer transfers, Kharyo Listener captures the bank notification in real time. The reconciler matches it against the pending transaction and notifies the chatbot that payment has been verified. The chatbot closes the conversation with the customer automatically.

There is no human review window in the normal cycle. The team only intervenes in exceptions (amounts that do not match, ambiguous payments) and sees them in a dedicated queue, not mixed in with customer messages.

Customer writes

Kharyo understands the customer's intent, no rigid forms required.

Real process

Runs the operational flow that already exists in your business.

Payment verified

Matches amount, reference and proof against the corresponding operation.

Customer writes

Kharyo understands the customer's intent, no rigid forms required.

Real process

Runs the operational flow that already exists in your business.

Payment verified

Matches amount, reference and proof against the corresponding operation.

Chatbot + Reconciler in one native flow

The chatbot and the reconciliation module share the transaction context. No external integration to configure: everything lives inside Kharyo.

Confirmation in seconds, not minutes

From the moment the bank notification arrives to when the customer receives confirmation: the full cycle takes seconds. No waiting windows, no "we will notify you when the bank confirms".

Configurable automatic actions on payment confirmation

Beyond notifying the customer, Kharyo can trigger configurable actions: mark the invoice as paid, update the order status, send a digital access link or notify the dispatch team.

Who uses it

Any business that collects on WhatsApp and wants to close the cycle on its own

E-commerce on WhatsApp

Order, payment and confirmation in one conversation

Digital courses and memberships

Payment + access delivered instantly

Professional services

Deposit verified before work begins

Distributors and wholesalers

Order confirmed when payment hits the bank

Salons and appointment services

Booking formalised with verified payment

Recurring billing businesses

Automatic renewal via transfer or mobile payment

Comparison

Kharyo vs the typical chatbot + manual collection flow

Kharyo vs the typical chatbot + manual collection flow
Capability	Kharyo	Chatbot + manual review	No chatbot
Automatic 24/7 service	Yes	Yes	No
Automatic payment verification	Yes	No	No
Customer confirmation without intervention	Yes	No	No
Mobile payment, Binance, Zelle supported	Yes	Manual	Manual
Configurable automatic post-payment actions	Yes	No	No
Exceptions queue separate from inbox	Yes	No	No

Native integrations

The complete flow without external pieces

WhatsApp Business API

Main channel: the chatbot serves, provides payment details and confirms the customer when the reconciler closes the transaction.

Kharyo Listener (Android)

Reads bank notifications in real time from a device at your business. Processes and sends the data to the reconciler the instant it arrives.

Venezuelan mobile payment

Banesco, BDV, Mercantil, Provincial and more. The notification arrives and the match happens in seconds.

Binance Pay / Zelle

The customer sends the receipt; Kharyo verifies it via OCR and AI and incorporates it into the flow just like a bank notification.

API / Closure webhook

On payment confirmation, Kharyo can trigger a call to your ERP, order system or digital access platform.

Frequently asked questions

What people ask before getting started

Do I need an existing chatbot to activate this flow?

Not necessarily. If you already have a Kharyo chatbot, you add the payment verification skill from the panel. If you are starting from scratch, you configure both the chatbot and the collection flow in the same activation process.

What happens if the customer says they paid but no bank notification arrives?

The chatbot tells the customer the verification is pending and will notify them as soon as the system confirms. If Kharyo Listener does not detect the bank notification within the configured window, the transaction moves to human review.

Does the flow work for Binance or Zelle as well as mobile payment?

Yes, the flow also works with Binance and Zelle. The chatbot asks the customer to send the receipt as an attachment. Kharyo processes it with OCR and AI, verifies amount and recipient, and confirms just as it would with a native bank notification.

Can I configure what happens after the payment is confirmed?

Yes, you can configure what Kharyo does when the payment is confirmed: send a custom message to the customer, mark the invoice as paid, deliver a digital access link or notify the dispatch team by WhatsApp or email.

What happens with duplicate payments or incorrect amounts?

Kharyo detects duplicate payments by bank reference and flags payments with amounts that do not match. Both go to an exceptions queue in the panel, separate from the conversation inbox. Your team only handles what requires a human decision.

Is this flow compatible with recurring billing or only one-time charges?

The flow is compatible with one-time and recurring billing. For recurring payments, the chatbot activates the verification flow each time the customer reports or sends their monthly payment, and Kharyo closes the cycle automatically each period.