Show every merchant exactly which transactions across all payment processors have settled into their bank account and when. Settlement confirmations from cards, UPI, and wallets consolidate into one verified record, so reconciliation is automatic rather than manual statement matching.
Turn manual matching across many processor statements into one automated settlement view.
01.
Unify the sources. The Invoices and Billing module ingests settlement confirmations from every processor, so cards, UPI, and wallets land in one record.
02.
End the guesswork. Each transaction is marked settled or pending with its date, so a merchant knows exactly what has hit their account.
03.
Replace manual reconciliation. The Audit Logs module matches processor confirmations to expected settlements automatically, flagging any gap.
04.
Reconcile both sides. The merchant and the acquiring bank read the same consolidated record, so settlement disputes are resolved from shared evidence.
05.
See the net. Each settlement shows the processor fee deducted, so a merchant reconciles net receipts rather than reverse-engineering them.
06.
Track held funds. The Escrow and Conditional Settlement module surfaces amounts held or in transit, so nothing settles invisibly.
Follow a single day's merchant transactions from multi-processor capture to an automatically reconciled record.
23:00:00
[SYS] Capturing merchant transactions...
23:00:01
[CMD] capture { merchant: "MER_88", processors: 3, txns: 420 }
23:00:02
[SYS] Grouping by processor and method.
23:00:02
[OK] 420 transactions captured.
Cerulea decomposes settlement reconciliation into modular contracts. Each layer captures transactions, ingests confirmations, matches automatically, and exposes one net view.
Consolidated settlement reconciliation is a horizontal capability. Here is how different actors rely on one net record.
See exactly which transactions across all processors have settled and their net value, replacing manual statement matching with an automatic consolidated view.
Key Asset Types
Reconcile merchant settlements from the same shared record, resolving disputes from common evidence and cutting the support load of settlement queries.
Key Asset Types
Post settlement confirmations into one consolidated record, reducing reconciliation friction with merchants and acquiring banks alike.
Key Asset Types
Whether you are bridging a processor's settlement feed or serving merchants from a dashboard, Cerulea routes both into one reconciled settlement record.
For processors and acquirers on legacy systems. Settlement confirmations are translated into signed on-chain records through the API gateway automatically.
Processor System
Acquirer Platform
Cerulea API Gateway
Confirmation Signing
Cerulea Private Chain
Settlement Reconciliation Ledger
For merchants on a dashboard. A merchant client reads the reconciled, net-of-fee settlement view directly from the shared record.
Merchant Dashboard
Merchant Client
Reconciliation Validators
Matching Consensus
Cerulea Ledger
Reconciled Settlement Record
Building a settlement reconciliation system with multi-processor consolidation, settled versus pending views, automated matching, and net fee transparency from scratch requires payments engineers and long processor integration. Calculate your exact deployment speed using Cerulea.
Traditional Deployment
Solidity Coding & Audits
~ 12 Months
Visual Compilation
WASM Logical Artifacts
~ 4 Weeks
The legacy timeline reflects payments reconciliation integration benchmarks. Building multi-processor consolidation, settled and pending tracking, automated matching, and a net merchant view takes a baseline of 7 months. Building the same architecture on Cerulea takes a baseline of 2 weeks, because Cerulea Studio visually translates your settlement and matching rules into pre-audited WebAssembly binaries and provisions the reconciliation ledger and merchant view instantly.