Treasury & Settlements

Treasury and settlement visibility across multi-partner stacks

BearlaPay standardises transaction and settlement reporting through one operating layer, supporting consistent finance and operational reconciliation across providers.

Unified Reporting

One consistent model across all providers

Ledger Consistency

Predictable balance representation

Real-Time Reconciliation

Automated settlement processing

Unified Reporting Model

Providers differ in settlement timing, file formats and status mapping. BearlaPay normalises settlement reporting into one consistent model so finance teams can reconcile and report without rebuilding processes per provider.

  • Normalized Settlement Timing

    Standardize settlement windows and timing across all providers, regardless of their native formats.

  • Consistent File Formats

    Transform provider-specific file formats into one unified reporting structure.

  • Standardized Status Mapping

    Map provider statuses to consistent states for predictable reconciliation workflows.

Benefits

Faster Reconciliation
Reduce time spent on manual reconciliation processes
Accurate Reporting
Consistent data structure across all providers
Reduced Complexity
No need to rebuild processes per provider

Settlement & Reconciliation Flow

Provider A Format: CSV Timing: T+1 Provider B Format: XML Timing: T+2 Provider C Format: JSON Timing: T+0 Provider N Various Formats BearlaPay Normalization Layer Unified Format • Standardized Timing • Consistent Status Single Reconciliation Model Unified Reporting Finance & Operations

Ledger Representation

Movements are represented through a consistent ledger model so balances, audit trails and reporting remain predictable as you add rails and partners.

Consistent Balance Model

Every transaction and movement is recorded through a standardized ledger structure, ensuring balance calculations remain accurate and predictable regardless of the underlying provider or rail.

  • Double-entry accounting principles
  • Atomic transaction recording
  • Multi-currency support

Complete Audit Trails

Maintain full traceability of all movements and transactions with immutable audit logs that support compliance, reconciliation, and operational visibility.

  • Immutable transaction history
  • Timestamped event logging
  • Full transaction context

Operational Outcomes

Standardized treasury and settlement operations that scale with your business without multiplying complexity.

Reduced Reconciliation Exceptions

Fewer manual interventions and exceptions as standardized reporting reduces mismatches between provider data and internal records.

Predictable Reporting

Consistent reporting structures mean finance teams can build reliable processes and dashboards that don't break when new providers are added.

Scalable Operations

Add new rails and partners without rebuilding reconciliation processes, keeping operational overhead predictable as volume grows.