UnPay Reconciliation OS review
API-first reconciliation for complex Indian payment operations.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
UnPay Reconciliation OS is an API-enabled reconciliation platform for finance and controllership teams at fintechs, marketplaces, e-commerce businesses, banks and other high-volume operators. It ingests bank statements, gateway reports, UPI data, virtual-account records and settlement files, then applies deterministic and fuzzy matching rules. Reconciled ledgers, journals and reports can be exported to accounting systems, while unmatched items move into a prioritized exception queue with suggested resolutions. Its fit is strongest for teams managing multiple payment providers and large transaction volumes through API-led workflows.
The plan structure gives teams a path from development to production. Build provides a free sandbox with all 15 products, 480 API endpoints, realistic bank and NPCI simulators, test webhooks and dashboards, plus community support. Scale adds production access, volume-tiered per-transaction pricing, role-based access, maker-checker controls, smart routing and retries, email and chat support, and a 99.9% SLA. Enterprise adds dedicated infrastructure, custom and co-branded rails, a dedicated solutions architect, a 99.99% uptime SLA with credits, on-premises or VPC deployment options, and 24/7 named support.
Integration breadth is a central strength. UnPay connects reconciliation workflows across banks, payment gateways, UPI and NPCI, and supports virtual-account matching to customers or invoices. Accounting exports for Tally, SAP and NetSuite can connect payment operations with downstream finance processes. REST APIs, webhooks and SDKs support custom implementations, while immutable audit trails and maker-checker controls address operational oversight. The trade-off is its API-only platform coverage, which favors engineering-led teams over buyers seeking a conventional standalone interface. Choose UnPay for programmable Indian payment reconciliation; consider an alternative if broad non-API access is a priority.
UnPay Reconciliation OS pros and cons
- Where it wins
- Matches banks, gateways, UPI, virtual accounts and escrow
- Free sandbox includes 15 products, 480 API endpoints and simulators
- Exports accounting data to Tally, SAP and NetSuite
- Where it doesn't
- Platform access is API-only
- Production pricing is usage-based or custom
- Founded in 2024, with a newer operating track record
UnPay Reconciliation OS fact sheet, pricing and score →
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