Reconcile Financial Data in Real Time

Kosh AI automates financial reconciliation from any number of sources. No coding needed.

  • Connect banks, payment gateways and order systems in one place
  • Configure matching logic without writing code
  • Flag, assign and track every exception until it is closed
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Rated 5 out of 5 on G2
AICPA SOC 2GDPR compliantISO 27001 certified
90%Time saving
65%Cost saving
100%Accuracy
Customers

Trusted by Finance Teams Across Payments, Lending, Retail and Non-Profits

From fintech lenders to fashion retailers and non-profits, teams reconcile their transactions with Kosh AI every day.

KoinWorks logo
MyGate logo
Rario logo
Julo logo
Arvind Fashions logo
Rotary logo
BeyPixels logo
Products

One Platform to Reconcile, Pay Out, Manage Treasury and Post Ledgers

Kosh AI is a no-code finance automation platform. Start with reconciliation, then extend the same platform to payouts, treasury and ledger posting.

Kosh AI Recon dashboard showing matched and unmatched transactions

Kosh AI Recon

Reconcile financial data from any source, with real-time tracking and audit-ready reports.

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Kosh AI Payout screen for automated bulk payouts

Kosh AI Payout

Automate payouts to any number of recipients, with custom rules for who is paid what.

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Kosh AI Treasury view of cash and liquidity across bank accounts

Kosh AI Treasury

Run treasury operations at the click of a button across multiple bank accounts.

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Kosh AI Ledger posting categorized transactions to accounting software

Kosh AI Ledger

Auto-post categorized transactions into any accounting system, in seconds.

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Use cases

Reconciliation Solutions for Every Use Case

Payments, gateways, bank accounts, balance sheets, ledgers and intercompany books, all reconciled on the same no-code platform.

Payment reconciliation software
Payment reconciliation
Payment gateway reconciliation software
Payment gateway reconciliation
Bank reconciliation software
Bank reconciliation
Balance sheet reconciliation software
Balance sheet reconciliation
Account reconciliation software
Account reconciliation
Intercompany reconciliation software
Intercompany reconciliation
UPI reconciliation software
UPI reconciliation
Cash reconciliation software
Cash reconciliation
Credit card reconciliation software
Credit card reconciliation
Billing reconciliation software
Billing reconciliation

How Kosh AI Automates Reconciliation, Step by Step

From the first file upload to an audit-ready report, Kosh AI handles every stage of the reconciliation lifecycle.

Bring every source into one place

  • Pull data through APIs, or upload XLSX, CSV, TXT, Word, PDF, ZIP or JPEG files.
  • OCR reads scanned documents and file formats are detected automatically.
  • Duplicate checks run at ingestion, before matching starts.
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Clean the data, then match it automatically

  • Cleanse, transform and enrich data without involving IT.
  • Match one-to-one, one-to-many, many-to-one or many-to-many using your own rules.
  • New rules or logic changes usually go live in under a week.
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Work only on what does not match

  • Unmatched items are flagged as they appear, not at month-end.
  • Assign, route and track each exception until it is closed.
  • Every manual edit to a transaction is audited.
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Give finance and auditors the full picture

  • Drill-down dashboards show what matched, what did not and why.
  • Full data lineage traces any number back to its source.
  • Generate, download or share reports for any time horizon.
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Why Finance Teams Choose Kosh AI

Faster closes, fewer errors and an audit trail your reviewers can follow.

1

Hours back for your team

Up to 90% time saving. Analysts review exceptions instead of rows.

2

Lower cost of operations

Customers cut finance operating costs by 25% to 65% as volumes grow.

3

Accuracy you can show an auditor

Every match, edit and exception keeps a data lineage trail.

4

No code, no IT queue

Finance users set up rules, dashboards and reports themselves.

5

Fits the stack you already run

Connects to banks, gateways, ERPs and accounting tools by API or file.

6

Security reviewers recognize

SOC 2, ISO 27001 and GDPR, on public or private cloud.

See What Kosh AI Can Do for You
Customer voices

What Finance Leaders Say About Kosh AI

Lenders, payment companies, retailers and non-profits, in their own words.

  • 99.9% time reduction
  • 25% cost savings
Before Kosh AI, our financial tasks were laborious. Thanks to Kosh AI, we streamlined operations with a 99.9% time reduction and 25% cost savings.
Manoj Jhanjhi, RotaryManoj JhanjhiRotary
  • 99% drop in man-hours
  • 65% cost reduction
Kosh AI exceeded our expectations, automating our entire financial workflow. We saw a 99% drop in man-hours and a significant 65% cost reduction in operations.
Derek Mathews, BeyPixelsDerek MathewsBeyPixels
  • 97% fewer man-hours
  • 60% cost reduction
Kosh AI brought efficiency to our P2P lending. With 97% less man-hours and a 60% cost reduction, it automated operations seamlessly.
Aditya Chintawar, KoinWorksAditya ChintawarKoinWorks
  • Payments industry
  • Regulatory ease
Kosh AI has been a game-changer for our complex payment industry. It simplified operations from data handling to tracking, easing regulatory challenges.
Jithin Sreedhar, MyGateJithin SreedharMyGate
  • Accurate reporting
  • Ongoing support
Kosh AI simplified our complex finance tasks, providing accurate reporting. The Kosh AI team's ongoing support is fantastic.
Ankit Arora, Arvind FashionsAnkit AroraArvind Fashions
  • Fast onboarding
  • Prevents revenue loss
Kosh AI's user-friendly design made learning easy. It smoothly integrated with our systems, allowing us to prevent revenue loss and overpayments effortlessly.
Priyesh Karia, RarioPriyesh KariaRario
Success stories

Customer Success Stories in Reconciliation Automation

From manual tracking to automated, audit-ready operations. See the challenge, the setup and the numbers.

Payment company finance team reviewing automated reconciliation in Kosh AIPayments

Payment infrastructure company

A nationwide payment company replaced manual tracking across many payment and bank accounts, and now handles up to 10 million transactions a month.

  • 95%drop in man-hours
  • 60%lower cost
  • 100%accuracy
Read the case study
Fashion retail group automating treasury reconciliation with Kosh AIRetail

Fashion and apparel group

A multi-brand fashion group automated treasury operations by ingesting bank feeds from 20 bank accounts in their original formats.

  • 99%drop in man-hours
  • 65%lower cost
  • 10xbetter reporting
Read the case study
Web3 NFT marketplace reconciling payment gateways with Kosh AIWeb3 & NFT

Web3 NFT marketplace

A leading NFT marketplace stopped revenue leakage and overpayments by reconciling several payment gateways against its order system in real time.

  • 99%drop in man-hours
  • 65%lower cost
  • 100%accuracy
Read the case study
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Industries

Reconciliation Software for Payments, Lending, Retail and More

One industry-agnostic platform that adapts to the way each sector moves money.

Lending industry reconciliation

Lending

Disbursements and repayments matched, with the audit trail regulators expect.

Lending reconciliation

Something else?

If your finance data lives in more than one system, Kosh AI can reconcile it.

See all industries
Integrations

Integrate With Your Banks, Payment Gateways, ERPs and Accounting Software

Kosh AI blends with your IT infrastructure, with no dependency on your tech team. Connect through APIs or file uploads.

Stripe
PayPal
Paytm
Razorpay
PayU
Cashfree
Braintree
Shopify
Magento
Oracle NetSuite
QuickBooks
Xero
Sage
Zoho
Citi
Bank of America
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SOC 2, GDPR and ISO 27001 compliance badges above a shield and lock protecting Kosh AI customer data
Security and compliance

Security and Data Control You Can Verify

Finance data is sensitive, so security review is part of any buying decision.

  • SOC 2 and GDPR compliant, and ISO 27001 certified.
  • Personally identifiable information is encrypted or removed during ingestion.
  • Data stays in the geography where you operate, on public or private cloud.
  • Every manual edit is audited, and data lineage traces each number to its source.
Ask About Our Security Practices
Resources

Read Our Blogs

Simple and insightful guides for modern finance teams and CFOs.

Top reconciliation metrics every CFO should monitor

Jul 13, 2026

Top reconciliation metrics every CFO should monitor

Read the article
Understanding exception management in automated reconciliation

Jul 10, 2026

Understanding exception management in automated reconciliation

Read the article
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Frequently Asked Questions About Kosh AI

What does Kosh AI do?

Kosh AI is a no-code finance automation platform. Its Recon product reconciles data from banks, payment gateways, order systems and ERPs. The same platform also automates payouts, treasury operations and ledger entries, so it is not limited to reconciliation.

What is automated reconciliation software?

Automated reconciliation software compares transaction data from two or more sources, such as bank statements, payment gateway reports and ledger entries, and matches it without manual work. It flags anything that does not match so finance teams can investigate. Kosh AI adds no-code configuration, exception workflows and full data lineage on top of the matching.

Which data sources and file formats can Kosh AI reconcile?

Kosh AI ingests data through API integrations or manual uploads, from banks, payment gateways, order management systems, accounting tools and ERPs. Supported file formats include XLSX, CSV, TXT, Word, PDF, ZIP and JPEG. Kosh AI can also reconcile vendor-side data.

Do I need coding skills or IT support to use Kosh AI?

No. Kosh AI is no-code and does not depend on your tech team. Finance users can cleanse and transform data, configure matching logic, and customize dashboards and reports. Implementing a new vertical or a logic change usually takes less than a week, and data format changes are typically handled within two hours.

What types of matching does Kosh AI support?

Kosh AI handles one-to-one, one-to-many, many-to-one and many-to-many matching. That covers common cases such as one bank settlement covering many orders, or several payments made against a single invoice.

How does Kosh AI handle exceptions and duplicate entries?

Kosh AI checks for duplicate entries during ingestion and flags unmatched or mismatched items as they appear. Teams can assign, route and track each exception until it is resolved. Manual edits to a transaction are allowed, and Kosh AI keeps an audit of each one.

Is Kosh AI secure and compliant?

Kosh AI complies with SOC 2 and GDPR and is ISO 27001 certified. Depending on your requirements, personally identifiable information is encrypted or removed during ingestion. Data is stored in your geography, you choose how long it is retained, and you can deploy on public or private cloud.

Which industries use Kosh AI?

Kosh AI is industry-agnostic. It supports payments, lending, insurance, gaming, fast food, retail and marketplaces. Customers include KoinWorks, MyGate, Julo, Rario, Arvind Fashions, Rotary and BeyPixels.

How is Kosh AI different from reconciling in spreadsheets or an ERP module?

Spreadsheets depend on manual exports and lookups, and they break when a source changes format. Kosh AI ingests data from every source, matches it with configurable rules, routes exceptions through a workflow and keeps a full audit trail. It also works across systems, so bank, gateway and order data are reconciled together.

Can I try Kosh AI before buying?

Yes. Kosh AI offers a sandbox environment where you can test-drive the platform. Book a demo and the team can show you how Kosh AI handles your own data sources, formats and matching rules.

How much does Kosh AI cost?

Pricing is tailored to your data sources, transaction volumes and the products you need, so there is no single public price list. Book a demo and the Kosh AI team will scope your requirements and share a quote.

Ready to Automate Your Reconciliation?

Book a demo and watch Kosh AI reconcile your own data. A sandbox is available to try your file formats first. Prefer email? Write to contact@kosh.ai.

Book a Demo Explore Kosh AI Recon