Don’t lose track of your revenue. Reconcile.
Take complete control of your cash flow in one intuitive dashboard. See every transaction and fee across all your providers, automate your reconciliation, and protect your profit margins.
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40h
Saved per month on manual reconciliation
360°
Treasury coverage
2x
Faster month-end close with full operational visibility
How it works
Managing your financial operations with full visibility and control is easier than it seems. Here’s how Pay.com does it for you.
Connect your providers and accounts
Automatically reconcile and track funds
Monitor and optimize your operations
One dashboard. Complete picture of your global cash flow
Bring clarity, control, and efficiency to your payment operations. Access smart capabilities designed to help you reconcile settlements, monitor provider performance, and eliminate revenue leakage.
Automate your settlement tracking
Automatically match transactions, fees, refunds, and payouts across all your payment providers. Get clear breakdowns with no manual work required.
Save time
Remove hours of manual reconciliation and spreadsheet work by automating your settlement tracking.
Eliminate errors and revenue leakage
Automatically catch and dispute discrepancies when third-party providers charge you the wrong rate.
Close faster
Speed up financial reporting and month-end processes to close your books in a fraction of the time.
Monitor performance in real time
Access a centralized command center featuring a real-time KPI screen, universal transaction search, and a built-in customer CRM to monitor your entire payment lifecycle.
Fix checkout drop-offs
Recover lost sales by clearly identifying the exact moment buyers abandon their card versus when banks decline a payment.
Save customer service hours
Empower your support team to locate any transaction instantly using just an email address or a partial card number.
Domestic acquiring
Use built-in customer data to understand buying habits, segment audiences, and personalize your marketing efforts.
Unify your provider data
Connect your entire payment stack to view your entire volume and transaction data in one unified dashboard, including third-party acquirers.
Eliminate fragmentation
Stop wasting time logging into multiple provider portals just to get a basic view of your daily performance.
Negotiate better rates
Use clear, aggregated volume data to gain leverage when negotiating processing fees with your acquiring partners.
Scale with ease
Easily add new providers to your payment stack without creating complexity for your finance team.
Standardize your multi-currency data
Normalize your multi-currency transaction data into your preferred reporting currency in real time using our live foreign exchange API.
Gain financial clarity
View your global cash flow in a single, easy-to-understand metric without doing manual conversions.
Protect your profit margins
Avoid hidden currency markups and understand exactly how fluctuating exchange rates impact your bottom line.
Simplify cross-border reporting
Standardize your international financial data to streamline executive reporting and forecasting.
Optimize your outgoing funds
Manage your outgoing funds efficiently by tracking payout volumes and routing funds to vendors, partners, and customers directly from the dashboard.
Streamline your back office
Automate complex payout workflows to reduce the manual overhead of paying international partners.
Prevent payout delays
Ensure fast, accurate, and transparent payments to keep your supply chain running smoothly.
Manage cross-border payouts
Simplify international payouts in multiple currencies while using our FX API to track the exact impact on your daily capital.
Manage digital assets safely
Seamlessly integrate digital currencies into your treasury operations. Monitor crypto settlements alongside your traditional fiat transactions in one view.
Simplify settlements
Accept next-generation payment methods while automatically settling in your preferred local fiat currency.
Unlock new revenue streams
Safely tap into the growing market of crypto consumers without overhauling your standard accounting processes.
Maintain consistent reporting
Keep your financial reporting clean by treating crypto transactions the same as traditional card payments.
Use cases
Automate manual reconciliation
Problem: Your finance team spends unnecessary hours downloading CSVs and matching data across multiple acquirers, making it difficult to spot hidden provider fees and revenue leakage.
Solution: Automatically unify your global settlement data. Monitor your contractual rates down to six decimal places and get real-time alerts if a provider overcharges your business.
Diagnose exact revenue drops
Problem: When global transactions fail, it can be difficult to tell if a customer abandoned the checkout or if the issuing bank declined the payment.
Solution: Clearly separate user abandonment from bank declines. Pinpoint the exact reason for failure across different regions so you can fix bottlenecks and push your approval rates higher.
Easily resolve support tickets
Problem: Tracking down a specific customer transaction across fragmented provider dashboards takes hours of manual hunting for your customer service teams.
Solution: Use universal search to locate any payment across your entire stack in seconds. Find transactions instantly using just an email address, customer name, or partial card number.
Understand customer buying habits
Problem: You lack clear, centralized data on lifetime value, preferred payment methods, and buyer behavior, making it difficult to personalize your growth strategies.
Solution: Access a built-in customer CRM to instantly view total payment volumes, preferred checkout methods, and full transaction histories to drive smarter marketing segmentation.
Go beyond Treasury
Payments
Accept and process payments globally with a flexible checkout, hundreds of local payment methods, and a setup designed to maximize conversion and scale with your business.
Optimization
Increase approvals and recover lost revenue from declined payments. Integrate intelligent routing, automatic retries, and real-time optimization across your entire payment flow.
Protection
Reduce fraud, prevent chargebacks, and protect your revenue with a proactive risk engine that detects threats early and automates dispute management.
Frequently asked questions
Yes. Decline reasons are normalized, categorized, and surfaced in the dashboard alongside benchmarks, so you can see whether issues are caused by fraud rules, insufficient funds, do-not-honor codes, or risk scoring, and act on them.
Pay.com lifts approval rates by combining intelligent routing, domestic acquiring, network tokenization, cascading retries, smart 3DS, and real-time issuer insights. Each one shaves a piece off the decline curve, and together they typically move auth rates up by several points.
Every transaction is recorded with both its original and a reporting currency, using a consistent FX timestamp. Pay.com applies the same conversion logic across all providers so you can compare and aggregate metrics on a like-for-like basis.
Yes. Pay.com normalizes data from every connected provider, acquirers, gateways, APMs, into one consistent schema. That gives you a single view of authorization, settlement, refund, and chargeback data, even if it came from different sources.
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