Financial reconciliation and automation platform for banks, microfinance institutions, and SACCOs. Automate transaction matching, track GL balances, manage exceptions, and maintain complete audit trails.
Calpex Recon is a reconciliation management system designed for banks, microfinance institutions, and SACCOs. The system automates transaction matching between core banking systems and third-party sources, tracks GL balances, manages exceptions, and provides comprehensive audit trails.
Instead of reconciling transactions manually across spreadsheets and disconnected files, Calpex Recon brings everything into one platform — configurable matching rules, automated scheduling, exception workflows, and variance tracking.
The objective is straightforward: reduce manual effort, catch discrepancies faster, maintain compliance-ready audit trails, and give your operations team confidence that the numbers match.
A flexible platform that adapts to your institution's reconciliation workflows.
Configure matching rules that compare fields between core and third-party transactions. Support for multiple operators, tolerance thresholds, and conditional logic. Many-to-many matching for complex scenarios.
Track GL accounts with tolerance settings and currency associations. Monitor opening and closing balances, carry forward unmatched items, and calculate variances automatically.
Unmatched transactions are flagged with specific reasons — amount mismatch, missing core, missing third-party, duplicates, and more. Review, verify, and resolve exceptions with full audit trails.
Connect to local files, SFTP servers, REST APIs, databases (MySQL, PostgreSQL, Oracle, SQL Server, MongoDB), and email attachments. Flexible authentication including OAuth, API keys, and basic auth.
Automate reconciliation runs hourly, daily, weekly, monthly, or with custom cron schedules. Auto-retrieve files from SFTP, poll APIs, query databases, or extract email attachments.
Track debits, credits, and balances on both core and third-party sides. Calculate net variance, carry forward unmatched items, and monitor trends over time.
GL changes and manual matching actions require approval. Users request, approvers review. Pending, approved, and rejected statuses with full traceability.
Each GL can have multiple currencies. Transactions track reference, account, and transaction currencies with exchange rates. Variance calculated per currency.
Every transaction, exception, approval, and modification is logged with timestamps and user information. Audit reports ready for compliance and internal review.
Different access levels for management, reconciliation staff, finance, and auditors. Each user sees what's relevant to their role with appropriate permissions.
Calpex Recon handles a wide range of reconciliation categories — and we can configure additional modules based on your specific needs.
Whether you're a smaller institution with a handful of reconciliation types or a large bank with complex multi-channel operations, we configure Calpex Recon to match your scale and requirements.
Start small: Begin with your most critical reconciliation types and expand as needed.
Scale up: Add modules, branches, GL accounts, and users as your operations grow — no hard limits.
Custom modules: Need a reconciliation type we haven't listed? We can build and configure custom modules for your specific workflows.
The platform is designed for financial institutions that need to reconcile transactions across multiple systems and maintain compliance-ready records.
The system follows a clear hierarchy: Institution → Module Type → GL Accounts → Transactions. This structure allows you to manage multiple reconciliation types within one platform while maintaining separation and clear reporting.
Configure modules: Define reconciliation categories (Mobile, Cards, Nostros, etc.) with specific processing rules, matching settings, and automation options.
Set up GL accounts: Add GL accounts with tolerance thresholds, currency associations, and approval workflows. The maker-checker process ensures changes are reviewed.
Define matching rules: Create rules that specify which fields to compare, operators to use, tolerance levels, and conditional logic. Rules can be prioritised and grouped.
Connect data sources: Configure connections to core banking files, third-party SFTP servers, APIs, databases, or email. Set up authentication and file patterns.
Schedule and run: Automate reconciliation at your preferred frequency or run manually. The system fetches files, applies matching rules, flags exceptions, and calculates variance.
Manage exceptions: Review unmatched transactions, verify reasons, apply manual matches where needed (with approval), and track resolution.
See how automated reconciliation compares to spreadsheet-based approaches.
| Capability | Calpex Recon | Spreadsheets |
|---|---|---|
| Transaction matching | ✓ Automated with configurable rules | Manual VLOOKUP/formulas |
| Multi-source integration | ✓ Files, SFTP, API, Database, Email | ✗ Manual file handling |
| Exception tracking | ✓ Automatic with reasons & workflow | Manual flagging |
| Variance calculation | ✓ Automatic with carry-forward | Manual formulas |
| Scheduled runs | ✓ Hourly to monthly automation | ✗ Manual process |
| Audit trails | ✓ Complete user & change logging | ✗ No built-in tracking |
| Maker-checker approval | ✓ Built-in workflow | ✗ Not available |
| Multi-currency | ✓ Per-GL currency support | Manual conversion |
| Role-based access | ✓ Granular permissions | ✗ File-level only |
| Historical reporting | ✓ Full history & trends | Depends on file retention |
We work with your team to configure Calpex Recon for your specific reconciliation workflows.
Review your current reconciliation processes, data sources, matching requirements, and exception handling workflows.
Set up modules, GL accounts, matching rules, and data source connections based on your requirements.
Run parallel reconciliation with existing processes. Validate matching accuracy and exception handling.
Deploy to production, train your team, and provide ongoing support as you scale to additional modules.
Calpex Recon supports Mobile Money, Nostro accounts, Cards (reconciliation and settlements for Visa, Mastercard, etc.), ATM, PesaLink, Floats, Utilities, Finance, HR, Treasury, and many more. We can also configure custom modules for reconciliation types specific to your institution.
Yes. Calpex Recon supports multiple data source types including local files, SFTP, REST APIs, direct database connections (MySQL, PostgreSQL, Oracle, SQL Server, MongoDB), and email attachment parsing. We work with your team to configure the appropriate connections.
You configure matching rules that define which fields to compare between core and third-party transactions. The system supports multiple operators (equals, contains, starts with), tolerance thresholds, and conditional matching. Rules can be prioritised and grouped for complex scenarios including many-to-many matching.
Yes. GL changes and manual matching actions require approval through a maker-checker workflow. Users request changes, and designated approvers review and approve or reject them. Full audit trails are maintained for all actions.
Yes. Calpex Recon includes a scheduling engine that supports hourly, daily, weekly, monthly, or custom cron-based schedules. You can automate file retrieval from SFTP, API polling, database queries, and email extraction.
Unmatched transactions are flagged as exceptions with specific reasons (amount mismatch, missing core, missing third-party, duplicates, tolerance exceeded, etc.). Users review and verify exceptions, which can then be resolved or manually matched with approval workflow.
Yes. Each GL can have multiple currencies. Transactions track reference currency, account currency, and transaction currency with exchange rates. Variance is calculated per currency.
Complete audit trails track all user actions and entity changes. Every transaction, exception, approval, and modification is logged with timestamps and user information. Audit reports can be generated for compliance requirements and internal review.
Yes. Whether you're a smaller institution with a few reconciliation types or a large bank with complex multi-channel operations, we configure Calpex Recon to match your scale. Start with what you need and expand over time — there are no hard limits on modules, GL accounts, branches, or users.
Tell us about your reconciliation requirements and we'll show you how Calpex Recon can help.