DIVINE Recon
Reconciliation & dispute control · GhIPSS payment rails

Two sides of every payment, reconciled to the pesewa.

DIVINE Recon reads the switch and your core, matches what agrees, and turns everything that doesn't into a tracked, provable case — with the commission you were owed quantified along the way.

GIP in & out GhQR · GhanaPay MoMo · Telecel · AT Self-hosted · on-premise
End-of-day match · GIP OUTWARDSrunning…
Scheme · GhIPSS
821563255₵ 200.00
821563256₵ 350.00
821563257₵ 1,250.00
821563258₵ 90.00
Core · your ledger
₵ 200.0060000943449
₵ 350.0060000943447
₵ 1,250.0060000943512
— no credit — 
Matched 0 / 4 Exceptions 0 → raised to cases
Built for Universal banks Rural & community banks Savings & loans Payment service providers Mobile-money operators
The platform01

One system for the whole reconciliation lifecycle.

From the moment a file lands to the certificate an examiner signs, every step is configurable, provable, and yours to host.

01

Configurable matching

Compose your own rule waterfall — reference, amount, account, date window, fuzzy narration — per product, direction and counterparty. No vendor-fixed logic.

02

Self-service onboarding

Upload any file, have its columns auto-profiled, tag what matters, and wire up who matches whom. A new reconciliation is an afternoon, not a project.

03

Dispute workflow

Every unmatched item becomes a case: categorised, routed to a team, aged against an SLA, and resolved under maker–checker with full provenance.

04

Commission assurance

Recompute the commission, tax and levy you were owed on payments that failed to settle — revenue at risk, quantified to the pesewa.

05

Evidence & audit

Institution-branded certificates, an append-only hash-chained journal, and one-click examiner packs. Provable, not just printed.

06

Yours to host

A plain PHP/LAMP stack your own IT team can deploy, read and patch. Payment data never leaves your building.

Matching engine02

A waterfall you compose, not one you inherit.

Each pass runs on what the last one left behind — strictest criteria first, so a confident reference-and-amount match happens before anything fuzzy is ever suggested.

  • ✓Any combination of keys — GhIPSS reference, amount with tolerance, recipient account, date ± N days, fuzzy narration, institution codes.
  • ✓One-to-many settlement matching with sum tolerance for bulk switch legs.
  • ✓Every match is explainable — stamped with the rule version and pass that produced it, for audit.
  • ✓Versioned under maker–checker — rule changes take effect only after a second officer approves them.
Rule waterfall · GIP OUT
01reference + exact amountauto · high
02reference + recipient accountauto
03amount + date + accountreview
04fuzzy narration + amount ±suggest
—no rule satisfied → exceptioncase
pass 11,204 pairs
pass 296 pairs
residue → cases18 items
Cases & disputes03

Nothing ages silently. Everything is provable.

The residue is where the money hides. Each exception opens a case with a category that tells you exactly what broke — and the one that matters most is caught first.

  • ✓Failed but customer debited — the classic loss position — is flagged the moment a failed transfer still moved money.
  • ✓Routed to teams by category, aged against configurable SLAs, escalated on breach.
  • ✓Maker–checker resolution — one officer proposes with justification, another approves. Self-approval is blocked.
  • ✓Export to your core — bulk-select cases and generate a debit/credit upload file in your CBS's own format.
Open cases · this run
CaseReferenceAmountState
EXC-000212821563258₵ 90.00their-side
EXC-000213821490021₵ 4,000.00debited
EXC-000214821490088₵ 512.50pending
EXC-000210821489744₵ 75.00resolved
Resolution · EXC-000210
Refund posted & verified. Proposed by A. Mensah — approved by K. Boateng · 10-Aug 09:42
Commission assurance04

The revenue the settlement file never shows you.

GhIPSS settles principal, never commission. So leakage from mischarged or uncollected fees is invisible — unless something recomputes it independently against your own tariff.

  • ✓Your tariff, versioned — percentage, flat, caps, tiers, channel and segment rules, E-Levy as its own line, effective-dated.
  • ✓Commission at risk is quantified for every payment that failed to reconcile, split into commission, tax and levy.
  • ✓The figure falls as cases resolve — the headline counts only money still genuinely at risk, never stale exposure.
Commission at risk · Jul 2026
₵ 53.00
Total at risk
3
Unreconciled txns
ReferenceComm.LevyTotal
1486170514₵10.00₵12.50₵22.50
1486170512₵10.00₵8.50₵18.50
1486170513₵8.00₵4.00₵12.00
Self-service designer05

Onboard a new file in an afternoon — without us.

What used to be professional-services work is now client configuration. Define products, upload sources, confirm the columns, wire the matching, ship the export template.

a

Auto-profile any file

CSV, pipe, tab or Excel — the profiler finds the delimiter, the header row, and infers a type for every column from the data itself.

b

Tag the columns that matter

Confirm which column is the reference, the amount, the account, the status. Saved as a versioned schema that guards against layout drift.

c

Wire two- or three-way matches

Draw which document matches which — switch vs ledger, or switch vs middleware vs core to isolate exactly which hop broke.

d

Build CBS export templates

Choose the debit and credit columns your core expects, drag them into order, and add custom narrations like Outwards RVSL {amount} {txn_date}.

Security & audit06

Control a bank examiner can verify, not just trust.

Security is the first objection in every procurement — so it's built in, not bolted on. The audit trail isn't merely stored; it's cryptographically provable.

01

Field-level encryption

Account numbers encrypted with AES-256-GCM; matched via keyed HMAC hashes, so routine runs never touch plaintext.

02

Maker–checker

Four-eyes on every sensitive action. Self-approval blocked in code, not by convention.

03

Audited unmasking

Every view of a real account number is written to the journal — who saw what, and when.

04

Role-based access

Analyst, supervisor, auditor, admin — granular permissions, least-privilege by default.

Append-only · hash-chained
#4471 · case.resolved
EXC-000210 · A. Mensah → K. Boateng
sha256 9f3c…b1a7 ⇠ prev 2e8d…04c9
#4472 · rule.approved
GIP OUT waterfall v7
sha256 c704…dd52 ⇠ prev 9f3c…b1a7
#4473 · account.unmasked
60000943449 · viewed by auditor
sha256 6b19…7f30 ⇠ prev c704…dd52

Alter any record and the chain breaks from that point on. A daily job re-verifies the whole chain and raises a critical alert if it ever fails.

Deployment07

On your infrastructure, in your control.

A plain, framework-free PHP application on a standard LAMP stack — the easiest possible artefact for a bank's own team to review, deploy and patch.

On-premise · licensed

Never leaves your building

  • Runs on Windows/WAMP or Linux — the same code, no OS lock-in
  • Your database, your encryption keys, your backups
  • Background workers scheduled through your own OS
  • Reviewable source; no framework upgrade treadmill
Operations · automatic

Runs itself once it's set

  • Daily auto-matching and missing-file alerts
  • Scheduled backups with retention
  • SLA sweeps and escalations
  • Health page: database, workers, disk, audit chain
2×
Sides reconciled — scheme & core
6
Configurable waterfall passes
₵0.
Stale exposure counted once resolved
100%
Actions in the hash-chained journal
Request a demonstration

Bring your own GIP files. See them reconcile.

The most convincing pilot is your own data, run in parallel with your manual process for a month. Let's set one up.

Prefer email? info@avalongh.com