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SettleFlow

{# Audience named, fear answered, licence stated. The previous sub-head described the mechanism ("reconcile a settlement file against a bank statement") which is the builder's framing, not the buyer's problem. #}

For merchants and accountants reconciling Razorpay payouts against bank credits. Upload your settlement file and your bank CSV — get matched transactions, an exception list, and Tally / GST / TDS code-1035 workpapers.

Razorpay, PayU, Cashfree, PhonePe and Juspay exports; HDFC, SBI, ICICI, Axis, Kotak, PNB and DBS statements. Open source (MIT). Your files are used for this one reconciliation only; the run record is deleted after 30 days. No account, no card.

Settlement file Settlement kind

Pick the kind that matches your export. A line-item kind also produces the GST and TDS workpapers; a batch kind gives the Tally CSV.

Bank statement CSV

We detect the UTR, amount and date columns automatically. If your statement uses unusual headers, name them below.

Advanced — name the bank columns yourself

UTR / reference column Amount column Date column

Leave blank to auto-detect. Column names are case-insensitive and must match your CSV header exactly otherwise.

How the matching works

It does not match on the UTR. Your bank statement carries the correspondent bank's UTR, which is a different number from the gateway's settlement_utr. The match key is the settlement id, with a (date + net amount) fallback.
Amounts are Decimal, in rupees. Gateway exports quote paise; the conversion happens once, at parse time.
Every match is inspectable. You get the matched ledger and the exception list, not a score.

Your data

Nothing is kept beyond the run itself: the uploaded files are written to a private temporary file, used, and deleted immediately. The run record (matched ledger, exceptions, generated CSVs) is deleted after 30 days, automatically. Privacy has the detail.

Currently supported: settlement exports from Razorpay (API JSON and CSV), PayU, Cashfree, PhonePe and Juspay, and bank statements from HDFC, SBI, ICICI, Axis, Kotak, PNB and DBS (plus SBI PDFs). A format with no verified public sample is refused, never guessed — the open ones are listed on About.