SettleFlow review
Specialized reconciliation for Indian marketplaces, gateways, GST, claims, and exceptions.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
SettleFlow is a web and API reconciliation service for Indian sellers, marketplaces, agencies, and CA firms. It brings payment gateway, marketplace, bank, accounting, and internal order data into one workflow. Core functions include settlement-to-bank matching by UTR, marketplace fee recomputation, invoice and receipt matching, GST, TCS and TDS reconciliation, exception handling, claim recovery tracking, and exports to CSV or workbooks. Role-based access and multiple-entity support extend its fit to finance teams managing more than one business or client.
Pricing is structured around a diagnostic and four paid tiers. Free Diagnostic provides a full leakage report, order-level detail, claim-deadline identification, ongoing monitoring, and auto-fetch, but covers one source and 90 days of data. Starter costs ₹9,999 per month and adds auto-fetch, claim-window tracking, and GST tie-out. Growth costs ₹19,999 per month with auto-fetch on three accounts, three-way GST tie-out, claim packs, and scheduled reports. Scale costs ₹35,000 per month with six accounts and priority support. The CA firms, agencies & custom plan costs ₹60,000 per month and adds white-label and revenue-share options plus monthly client summaries.
Its ecosystem is closely aligned with Indian payment and commerce workflows. Integrations include Razorpay, Cashfree, PayU, Paytm, PhonePe, Amazon.in, Flipkart, Myntra, Meesho, AJIO, Nykaa, Blinkit, Shopify, Zoho Books, Tally, and QuickBooks. Automatic column matching supports uploaded CSV or Excel reports, while scoped read-only connections and an API provide additional input options. SettleFlow suits teams that need fee validation, tax tie-outs, and claim deadlines in one specialist system. Businesses seeking broad international payment coverage or a general-purpose accounting platform should consider a different category of tool.
SettleFlow pros and cons
- Where it wins
- Matches gateway settlements to bank credits by UTR
- Recomputes marketplace fees, GST, TCS, and TDS
- Tracks claim deadlines and supports multiple entities
- Where it doesn't
- The diagnostic covers one source and 90 days of data
- Monthly pricing starts at ₹9,999
- Its focus is specialized for Indian payment operations
SettleFlow fact sheet, pricing and score →
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