Automatic matching of payment transactions to points of sale
Thousands of bank transactions every day, hundreds of points of sale — and zero manual matching. The system automatically links transactions from customers' bank accounts to specific partner stores, using transaction data, merchant identifiers and geolocation.
Manual matching of bank transactions to hundreds of points of sale
A loyalty platform serving hundreds of points of sale across dozens of operational zones had to match thousands of customer bank transactions every day to specific partner stores. Data from banks arrived in different formats: merchant identifiers did not always correspond to the store name.
Manual matching required a team of operators comparing transaction data with the points-of-sale database. With 5000+ transactions per day, errors were inevitable. An incorrectly matched transaction meant incorrectly calculated rewards.
New retail partners had to be mapped manually. The lack of a central mapping register meant that knowledge remained in the heads of operators. When a store changed its name or terminal, transactions ended up in the unrecognised queue.
Intelligent transaction matching engine with multi-level mapping
The implemented matching engine automatically analyses each incoming bank transaction and matches it to a point of sale. The algorithm uses multiple signals at the same time: merchant identifier, name, terminal location, amount and time.
A multi-level location hierarchy enables precise mapping: the transaction is matched to the point of sale, retail chain and operational zone. The system supports aliases and different identifiers across different banks.
The monitoring dashboard shows matching statistics in real time. Unrecognised transactions are routed to a priority queue with suggestions. The system generates alerts when the matching rate drops.
Before and after implementation
Concrete automation results
Want to achieve similar results?
Book a free consultationPreviously, our team spent hours every day manually linking bank transactions to stores. Now the system recognises the merchant, matches it to our database and calculates benefits. We only intervene in ambiguous cases.
Loyalty platform, 500+ retail partners
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