Conciliadora

What Conciliadora does

Conciliadora (legal entity Aliança Tecnologia S/A) is a Brazilian financial reconciliation SaaS platform headquartered in Belo Horizonte that automates the matching and auditing of credit card, PIX, voucher, and bank transactions for businesses and ERP/PDV systems. The platform is structured around three core modules — sales reconciliation, payment reconciliation, and bank statement reconciliation — that cross-reference acquirer data, voucher data, and CNAB 240/CNAB 750 bank files via the VAN TIVIT network to identify missing sales, incorrect MDR rates, chargebacks, and bank deposit discrepancies. It integrates with over 200 acquirers, banks, voucher providers, and ERP systems (including TOTVS, SAP, Sankhya, Linx, Omie) through native connectors and a RESTful API with OData support, and claims processing of more than R$4 billion monthly across 10,000+ active CNPJs with a sub-1% error rate.

The company monetizes primarily through tiered recurring subscriptions scoped by company size or CNPJ count, supplemented by a white-label licensing program for BPOs, financial consultants, and software houses that resell the platform under their own brand, and by a paid training catalog (Universidade Conciliadora) offering EAD, hourly, and specialized training sessions priced at R$196-R$989. Go-to-market is sales-led with consultative demos, direct enterprise outreach, and indirect distribution via ERP/PDV partners that embed reconciliation as a native module. Notable enterprise references span beverages (Ambev), foodservice (McDonald's, Giraffas, Subway, Bacio di Latte), retail (Cacau Show, Adcos), utilities (Aegea, CORSAN), healthcare (Onco Clínicas), hospitality (Iberostar), and automotive/fuel (Gulf). The company operates exclusively in Brazil, references LGPD compliance, and has had no disclosed external funding since its participation in the BoostLAB accelerator in March 2020.

Name

Conciliadora

Legal name

Aliança Tecnologia S/A

Website

https://conciliadora.com.br

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

Conciliadora is a Brazilian SaaS platform that automates financial reconciliation of credit card, PIX, voucher, and bank transactions across 200+ acquirer, bank, and ERP integrations for 10,000+ businesses and software partners in Brazil.

Ownership category

akta.pro rank

Product category

Financial Reconciliation Software

NAICS

Software Publishers (513210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)

akta.pro secondary industry

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE)

Keywords

• Financial reconciliation software
• Payment reconciliation platform
• Credit card reconciliation
• Bank statement matching
• PIX payment reconciliation

Headquarters

HQ city

Belo Horizonte

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Subscription/Software-as-a-Service: Monthly/annual subscription for access to the reconciliation platform with pricing tiers based on company size or number of CNPJs.
2. Professional Training Services: Revenue from training services including EAD (free), hourly training (R$196 for 2 hours + R$98/hour additional), and specialized training (R$989 for up to 10 CNPJs).
3. White Label Licensing: White label partnerships where resellers brand the platform under their own name for their customer base.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Conciliadora sells a cloud-based SaaS platform that automatically reconciles credit card, PIX, voucher, and bank transactions for Brazilian businesses, verifying that every sale is correctly registered by acquirers, auditing installment-by-installment payment amounts (rates, fees, chargebacks, cancellations), and cross-referencing bank deposits against acquirer records via CNAB 240/750 files. The platform integrates with 200+ acquirers, voucher providers, banks, and ERPs, exposing reconciliation capabilities through a RESTful API, a unified web dashboard, and a white-label module for resellers.

Product overview

Conciliadora is a Brazilian financial reconciliation SaaS platform for credit cards, PIX, and bank transfers. Its unified platform consists of three core reconciliation modules — Conciliação de Vendas (sales reconciliation), Conciliação de Pagamentos (payment reconciliation), and Conciliação Bancária (bank statement reconciliation) — plus an ERP/PDV API integration layer, a white-label resell module, and a training university with EAD, specialized, and hourly formats. The platform integrates with over 200 acquirers, voucher providers, banks, and ERPs, processing 64,000+ files per day across 10,000+ active CNPJs with a sub-1% error rate.

Differentiator

Problem solved

Functional benefit

Products and services

• Plataforma de Conciliação (Unified Platform) Unified cloud-based reconciliation SaaS integrating sales reconciliation, payment reconciliation, bank reconciliation, and data enrichment into a single dashboard, supporting 200+ integrations including acquirers, banks, vouchers, PIX, and ERPs. Sold to Brazilian enterprises and multi-location retailers needing centralized financial reconciliation.
• Conciliação de Vendas (Sales Reconciliation) Core reconciliation module that automatically verifies every card, PIX, and voucher transaction against acquirer data, comparing NSU, authorization codes, TID, dates, amounts, rates, and modality to flag correct, divergent, and unmatched transactions. Targets Brazilian retailers and enterprises accepting card, PIX, and voucher payments.
• Conciliação de Pagamentos (Payment Reconciliation) Payment reconciliation module that audits every sale and installment, providing a complete breakdown of rates, fees, chargebacks, cancellations, and amounts paid, with enriched data including payment date predictions, net values, and banking destination. Targets finance teams needing precise acquirer payout visibility.
• Conciliação Bancária (Bank Reconciliation)

Quantifiable outcome

• 10,000+ companies trust the platform for financial reconciliation
• +3 more outcomes

Named customers14 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration93 records

Feature6 records

Partnerships

17 partnerships are on record, tiered core and major.

• TOTVScoreTechnology or IntegrationNative ERP integration with TOTVS, one of Brazil's largest ERP providers. TOTVS users can access Conciliadora's reconciliation capabilities directly within their ERP system.
• SankhyacoreTechnology or IntegrationNative ERP integration with Sankhya, enabling seamless reconciliation within the Sankhya management system.
• SAPcoreTechnology or IntegrationIntegration partnership with SAP, one of the world's largest enterprise software companies, for reconciliation capabilities.
• OmiemajorTechnology or IntegrationNative integration with Omie cloud ERP system popular among Brazilian SMBs.
• LinxmajorTechnology or IntegrationIntegration with Linx retail management systems, enabling reconciliation capabilities for Linx users.
• CielocoreTechnology or IntegrationPrimary payment processor integration. Cielo is one of Brazil's largest acquirers, providing transaction data for reconciliation.
• RedecoreTechnology or IntegrationMajor Brazilian payment network integration providing transaction data for reconciliation.
• StonecoreTechnology or IntegrationIntegration with Stone, one of Brazil's leading payment technology companies, for transaction reconciliation.
• GetnetcoreTechnology or IntegrationIntegration with Getnet payment services, providing transaction data for automated reconciliation.
• PagSeguromajorTechnology or IntegrationIntegration with PagSeguro payment platform for transaction reconciliation.
• TicketmajorTechnology or IntegrationMeal and food voucher integration with Ticket (Edenred), enabling reconciliation of meal voucher transactions.
• PluxeemajorTechnology or IntegrationIntegration with Pluxee (formerly Sodexo), reconciling employee benefit voucher transactions.
• VR BenefíciosmajorTechnology or IntegrationIntegration with VR food and meal benefit vouchers for transaction reconciliation.
• AlelomajorTechnology or IntegrationIntegration with Alelo meal and corporate benefit vouchers.
• iFoodmajorTechnology or IntegrationIntegration with iFood marketplace for delivery order and payment reconciliation.
• TIVITmajorTechnology or IntegrationVAN (Value-Added Network) provider for automated bank statement and PIX data transmission via CNAB formats.
• White Label PartnersmajorOEM/ Whitelabel/ Licensing PartnerPartnership program for BPOs, financial consultants, and software companies to white-label and resell reconciliation services under their own brand. Includes training, branding, and technical support.

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Oracle: Global ERP/finance suite vendor with reconciliation and receivables modules comparable in scope; competes for large enterprise reconciliation mandates in Brazil.
• SAP: Global ERP giant with named native integration to Conciliadora; broader financial-operations suite could absorb reconciliation features for enterprise customers in Brazil.
• Stone Co. Major Brazilian acquirer and parent of Linx; a core integration partner today but also a potential disintermediator if it bundles reconciliation into Stone's SMB banking and payments stack.

Others

• EBANX: Brazilian cross-border payments infrastructure provider; comparable ecosystem participant touching acquirer and bank-side data flows relevant to reconciliation value chains.

Emerging players

• HighRadius: Autonomous finance platform for order-to-cash and treasury with AI-driven reconciliation capabilities; same product category but focused primarily on US/enterprise segment.
• Bill.com: AP/AR automation and reconciliation SaaS for SMBs; comparable workflow (matching bank and payment data) though primarily US-focused.
• Cora: Brazilian digital bank for SMBs offering payment and cash-management services; an adjacent fintech that could expand into automated reconciliation for its merchant base.

Direct peers

• Linx: Brazilian retail/POS technology platform now part of Stone Co.; integrated with Conciliadora and overlapping on retail-chain reconciliation, MDR analysis and payment-data aggregation.
• Conta Azul: Brazilian SaaS for SMB financial management with overlapping customer base of multi-location retailers needing bank/card reconciliation and cash-flow visibility.
• TOTVS: Largest Brazilian ERP vendor and named core integration partner of Conciliadora (TOTVS users can access reconciliation inside the ERP). Competes head-on by potentially embedding reconciliation natively into its management suite.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/aconciliadora

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Conciliadora