Reconciler

Venezuelan bank notifications reconciled automatically: Banesco, BDV, Mercantil

Kharyo Listener reads the bank notification, matches it to the customer and closes the transaction in seconds. No screens to open, no manual step, no cashier staff required.

Start free

No card required to startActivation in under one hour

Built on the stack you already use

The problem

Mobile payment, Binance and Zelle each arrive in a different format. Matching them by hand is a full-time job.

Your customer pays by mobile payment (Banesco, BDV, Mercantil, Provincial, Bicentenario), bank transfer, Binance USDT or Zelle. Each arrives through a different channel, in a different format, in a different currency. Your administrative team ends the day reviewing screenshots, matching references and calling customers to figure out which notification corresponds to which order.

The result is not just inefficiency: it is real risk. Double-charged payments, orders shipped without collection, customers waiting hours for confirmation. In a market where cash has effectively disappeared, manual reconciliation is the bottleneck for your entire cash flow.

The Kharyo solution

Kharyo Listener reads each notification, matches it to the pending invoice and closes the payment on its own

The Reconciler module runs on Kharyo Listener: an agent on an Android device that receives bank notifications in real time, processes them encrypted, and matches them against pending invoices or bookings by amount, bank of origin and time window. For Binance and Zelle, the customer sends the receipt and Kharyo verifies it automatically via OCR.

When the match succeeds, the system notifies the customer, marks the transaction as paid and can trigger the next step in the flow (confirmation, access, dispatch) without any human intervention.

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.

Real-time Venezuelan bank notification reading

Compatible with Banesco, BDV, Mercantil, Provincial, Bicentenario and others. Extracts amount, source bank and reference the moment the notification arrives.

OCR verification for Binance and Zelle

The customer sends the receipt on WhatsApp. Kharyo analyses it with AI, verifies amount and recipient, and closes the transaction. No calls, no review queue.

Duplicate and ambiguous payment detection

If the amount does not match or has already been applied, the payment is flagged as an exception for human review. Zero false positives, zero orders shipped without payment.

Who uses it

Any Venezuelan business that collects by transfer

Distributors and wholesalers

Dozens of daily orders by mobile payment

Local e-commerce

Order confirmed in seconds

Clinics and medical offices

Fees by transfer or mobile payment

Salons and studios

Appointment deposit verified instantly

B2B services

Monthly invoices in bolivars and foreign currency

Physical stores with WhatsApp

Dispatch triggered on mobile payment confirmation

Comparison

Kharyo vs manual Venezuelan payment reconciliation

Kharyo vs manual Venezuelan payment reconciliation
Capability	Kharyo	Spreadsheet + WhatsApp	Typical payment gateway
Automatic Venezuelan bank notification reading	Yes	No	No
Supports mobile payment, Binance and Zelle	Yes	Manual	No
Match against invoice by amount and reference	Yes	Manual	Partial
Duplicate payment detection	Yes	No	Yes
Customer notification without intervention	Yes	No	Yes
No international card required	Yes	Yes	No

Native integrations

Connected to the Venezuelan and LATAM payment ecosystem

Venezuelan mobile payment

Automatic detection against notifications from Banesco, BDV, Mercantil, Provincial, Bicentenario and more.

Bank transfers

Receipt reading with OCR and verification against pending transactions.

Binance Pay / USDT

AI verification of the attached receipt. Compatible with USDT and other stable cryptocurrency payments.

Zelle

OCR of the receipt + verification of expected amount and recipient.

WhatsApp Business API

Official customer confirmation channel: payment received, order confirmed, next step delivered.

Frequently asked questions

What people ask before getting started

How does Kharyo read Venezuelan bank notifications?

Kharyo Listener is an agent installed on a dedicated Android device at your business. The device receives bank notifications, processes them encrypted in real time and sends them securely to Kharyo. No full message content is stored in plain text.

Which Venezuelan banks are supported?

Banesco, BDV, Mercantil, Provincial, Bicentenario, Exterior and Banplus are supported. If your bank is not on the list, we integrate it on request.

What happens if the customer pays the wrong amount?

Kharyo flags the payment as an exception in the inbox. You can accept it, adjust the invoice or contact the customer. No payment with an unexpected amount is confirmed automatically.

Does it work with Zelle and Binance as well as mobile payment?

Yes, Kharyo also processes Zelle and Binance. The customer sends the receipt on WhatsApp, Kharyo analyses it with OCR and AI, verifies amount and recipient, and closes the transaction just as it would with a native bank notification.

Do I need to install anything on my servers?

Only an Android device connected to the internet at your business is required. A used phone is sufficient. Everything else runs on the Kharyo cloud: no own servers, no specialised IT.

Can I use it even if my team already has an established workflow?

Yes, Kharyo can notify your team on WhatsApp or via webhook each time a payment is confirmed. The existing human workflow only activates for cases that require manual review. The transition is gradual and does not disrupt what already works.