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One schema for every settlement report

Matchwright is building connectors that turn each Baltic and CEE payment provider’s settlement report into one schema. Your engineers stop rewriting parsers, and month-end stops depending on who remembers how each report works.

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Four providers, four report formats.

Planned connectors

  • Montonio
  • Paysera
  • Stripe
  • Adyen
  • Revolut Business
  • MakeCommerce
  • Swedbank
  • SEB
  • Luminor

One settlement, normalized.

Pick a provider to see its raw report, then turn it into Matchwright records.

settlement_0210.csv Semicolon CSV, Estonian headers, comma decimals 
Kuupäev;Summa;Tasu;Tüüp
02.10.2026;4914,36;;makse
02.10.2026;-89,90;;tagasimakse
02.10.2026;;-12,06;tasu
03.10.2026;4812,40;;väljamakse
KindDateAmount, EUR
payment02.10.20264 914,36
refund02.10.2026−89,90
fee02.10.2026−12,06
payout03.10.20264 812,40
Estonian headers, comma decimals, and the fee on its own line.

Each provider reports money its own way

Payouts arrive net of fees, and the fees sit in a separate report.

With Matchwright every payout is split into payments, refunds and fees, so each part matches its own ledger line.

Refunds and chargebacks show up days later, in yet another file.

With Matchwright late refunds and chargebacks are linked back to the original payment, whichever file they arrive in.

Timestamps follow the provider’s time zone, not your books.

With Matchwright every record carries a UTC timestamp next to the provider’s original, so day boundaries line up with your books.

A column gets renamed without notice, and the parser breaks at month-end.

With Matchwright each report is checked against its known format, so a changed file is caught before it reaches your ledger.

So every fintech writes and babysits its own connector for each provider. We’re building Matchwright to do that work once, for everyone.

How it works

Connect a provider

Point a connector at the provider’s API or at the reports it exports, whatever the format or language.

Get one schema

Payments, fees, refunds, chargebacks and payouts come out as the same records, whichever provider sent them.

Reconcile in your own stack

Match the records against your ledger in your own database. The connectors run in your infrastructure, so transaction data stays with you.

A day of settlements from three providers, from raw files to a matched ledger.

Someone on call for every format change

What you get

  • A maintained connector for each provider
  • One record schema across providers
  • Sample reports to test against

How we keep it working

  • We watch every provider for format changes
  • Fixes ship as soon as a format changes
  • A direct line to the people who maintain the connectors
A provider renames amount to gross_amount. What happens next?
On your own With Matchwright
1 The report format changes The report format changes
2 Your parser skips the rows without an error We spot the new format
3 The gap surfaces at month-end close A connector update ships
4 An engineer drops everything to patch it Your close runs as usual
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Tell us which providers you reconcile

We’re choosing the first connectors now.

Which providers do you reconcile today?

Early partners choose which providers we build first and try the connectors before anyone else.

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