ReconcilerReconciler

Forget Excel for matching payments

Kharyo reads bank SMS in real time, identifies each payment against its invoice or booking, and notifies the customer on its own.

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No card required to startActivation in under one hour

Built on the stack you already use

The problem

Charging is easy. Knowing who paid is what hurts.

In LATAM the customer pays by mobile payment, transfer, Zelle or Binance. Each method arrives with a different SMS, a different receipt, a different reference. Your team ends up matching by hand against each invoice or booking.

The result: late collection, slow confirmations to the customer, human errors on similar amounts and lost hours on an operation that does not generate extra revenue.

The Kharyo solution

Every payment identifies itself, in seconds

The Reconciler module processes incoming bank SMS in real time, extracts amount, bank and reference, and matches them against pending invoices or bookings using fuzzy matching. For Binance and Zelle, it processes the attached receipt via OCR + verification.

Once the match is confirmed, Kharyo notifies the customer, marks the invoice as paid and closes the cycle. No manual intervention, no Excel.

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.

Native bank SMS read

Compatible with the main banks in Venezuela, Colombia, Mexico and the rest of LATAM. Extracts amount, source bank and reference automatically.

AI receipt verification

For Zelle, Binance and international transfers: OCR on the receipt + verification against statements when applicable.

Real-time match

As soon as the payment arrives, Reconciler looks for the pending invoice or booking by amount, reference and time window. Confirmation in seconds.

Who uses it

Any business that gets paid by transfer

E-commerce with mobile payment

Confirms orders instantly

Practices and clinics

Fees by transfer

Brick-and-mortar stores

Mobile payment at the counter

B2B subscriptions

Recurring renewals

Real estate

Bookings and rentals

Professional services

Advances and fees

Comparison

Kharyo vs matching payments by hand

Kharyo vs matching payments by hand
Capability	Kharyo	Excel + WhatsApp	Traditional gateway
Native LATAM bank SMS read	Yes	No	No
OCR for Zelle / Binance receipts	Yes	Manual	No
Match against invoice by amount and reference	Yes	Manual	Partial
Duplicate payment detection	Yes	No	Yes
Customer confirmation without intervention	Yes	No	Yes
No mandatory international card for the customer	Yes	Yes	No

Native integrations

Connected to the LATAM payments ecosystem

Mobile payment VE

Automatic detection against SMS from Banesco, Mercantil, Provincial, Venezuela, Bicentenario and more.

Bank transfers

Receipt OCR and statement verification when applicable.

Binance Pay

On-chain verification of USDT payments with instant confirmation.

Zelle

Receipt OCR + verification against the expected recipient and amount.

Billing systems

Marks invoices as paid in your ERP or management system via API.

Frequently asked questions

What people ask before getting started

How does Kharyo read the bank SMS?

Through a mobile listener on a dedicated Android device (which you can leave plugged in at the venue). SMS are processed encrypted, without storing the full content in plain text.

What happens if the customer pays a different amount than expected?

Reconciler flags the payment as ambiguous and surfaces it in the inbox for human review. You decide whether to accept it, adjust the invoice or request a correction.

Does it work with banks outside Venezuela?

Yes. We support the main banks in Colombia, Mexico, Argentina, Chile and Peru. If your bank is not on the list, we add it in under a week.

Can I use it without mobile payment, only with transfers?

Yes. The customer sends the receipt via WhatsApp or email and Kharyo processes it with OCR + verification. It works for any market where mobile payment does not exist.

What about duplicate payments?

Kharyo detects duplicates by receipt hash and reference. If the same payment arrives twice, the second one is flagged as a duplicate and is not applied.

Does it integrate with my ERP?

Yes. Via REST API or webhooks, Reconciler notifies your management system every time an invoice is marked as paid. Compatible with any ERP that exposes an API.