Every dollar expected, matched to every dollar received
The expectation ledger, live — Clariti computes what each acquirer owed you, ties it to what the bank actually paid, and expands any variance down to the transaction, the fee line and the row in the source file.
Interactive · illustrative data · read-only · best viewed on desktop.
What you’re looking at
01
Expected, received, explained
The month opens on what should have landed, what the bank actually paid, and the gap between them — split into the part already reconciled and the part still unexplained, each carried in basis points as well as dollars.
02
Every variance opens to its source row
The expectation ledger runs by acquirer and names the rule that fired on each line. Any row with a variance expands to its transactions, its fee lines and the row in the source file it came from — nothing is a number without a trail.
03
Recovery banked, not projected
Fee recovery is tracked year to date as three separate figures — identified, still in dispute, and returned to the bank — so the number on the screen is cash recovered rather than modelled savings.
Illustrative merchant and figures. The dashboard is read-only with no funds access, on Singapore-resident data.
The consulting practice
Your Payments Team, Extended
The agents run the standing work. For the questions that need a deep dive — a renewal, a new market, a migration — the same payments insiders who built them work alongside your team. Structured engagements with defined deliverables, not open-ended retainers.
Most AI efforts stall in pilot purgatory
Plenty of finance teams have run the pilot. Far fewer have got it into how the work actually runs — so the demo impresses, and the close takes exactly as long as it did before. Handing over agents is not the solution. Cycle time only moves once the work around the tool has been redesigned: who reviews what, which controls shift, what stops being done by hand, what the team stops waiting for. Most finance teams haven't finished that redesign — and it isn't something a licence delivers. That's the engagement.
Payment cost deep dives
Line-by-line investigation of a specific corridor, scheme relationship or fee programme — beyond what the standing audits cover.
Commercial negotiation support
Preparation for acquirer and scheme renewals — decomposed rates, corridor benchmarks and the business case, line by line.
Scheme compliance reviews
Independent mandate-readiness assessment with gap analysis — what's due, what's exposed, what to fix first.
Payments org design
Operating model, roles and governance for the payment function — sized to your volume and your roadmap.
Stack & vendor strategy
Acquirer, PSP and gateway selection, routing strategy and RFP support — grounded in your own transaction data.
Market-entry & M&A diligence
Cost-of-acceptance modelling and payments due diligence for new SEA markets, products or acquisitions.
How an engagement runs
01
Scope the question
Deliverables, data needs and timeline defined upfront — you know what you're buying before it starts.
02
Insiders assigned
Specialists who have run these P&Ls at schemes, acquirers and processors — matched to the question.
03
Deliver and hand off
Structured output with knowledge transfer — and the findings feed your agents, so the answer keeps monitoring itself.
Put the agents to work
Run the discovery to scope which agents — and which use cases — fit your payment operation first.