Match your internal client ledgers to your external bank balances every day. Catch timing breaks early and spot pool shortfalls before cut-off.
CASS 15 separates internal record checks from external bank comparisons. Equali runs both automatically and links every break to its root transaction.
Verify that customer e-money wallet balances and in-flight payment obligations match your core accounting ledger down to each individual payment ID.
Reconcile your internal ledger balances against external bank statements, separating cleared funds from unallocated settlement items.
Run daily checks on the following business day so any discrepancy is surfaced within 24 hours.
Distinguish normal settlement timing differences from genuine ledger or fee posting discrepancies.
Surface the exact difference between your internal requirement and external bank balances.
Every daily run is retained with its result and cause so the evidence behind your return is assembled as you go.
Granular transaction-level matching: When a bulk settlement lands in your safeguarding bank account net of scheme deductions or FX adjustments, summary totals fail to agree. Equali decomposes batch settlements into individual payment lines so internal and external balances tie out cleanly.
The daily reconciliations, discrepancy detection, and records regulated firms need behind every CASS 15 return.
Move from manual VLOOKUP workbooks to a repeatable daily workflow.
Pull internal wallet balances, general ledger journals, and processor files via API, plus bank statements in CSV, XLS, XLSX, or TXT via upload or SFTP.
Execute internal requirement checks first, then match verified internal totals against external bank resources.
Review flagged items by cause, track shortfall adjustments, and generate customisable reports for your monthly return.
Customer Story"Thanks to Equali, we are able to control in detail the end-to-end flow of all transactions processed, giving us greater visibility and enabling us to detect any potential leaks or anomalies along the way."
Explore technical guides and architectures for automated reconciliation and accounting.
A four-step guide to moving from manual, spreadsheet-based payment reconciliation to an automated process that matches every payout to its orders and posts the journal entries for you.
Martin Burn · 23 July 2026The reconciliation models finance teams use, from fully manual spreadsheets to a purpose-built platform, and the trade-offs of each depending on the scale and complexity of your payments.
Martin Burn · 23 July 2026Equali runs internal checks by matching your firm's own records and wallet balances to the core ledger. This step confirms that your internal figures agree with the transactions behind them.
Equali runs external checks by matching your internal ledger against statements from your safeguarded bank accounts. This step confirms the actual cash balance held at the bank.
Equali runs both internal and external checks every business day on a D+1 schedule. Each run uses the prior day's closing balances and bank statements.
Equali flags in-flight payouts and unallocated bank credits with their cause. Finance teams can then see which items are timing breaks and track when they clear.
Equali flags the exact shortfall between the internal requirement and external bank balance. Your team can then review the cause and top up the pool.
Equali retains every daily internal and external run with its result and break cause. Teams can create custom reports from these records to speed up audit reviews.
Connect your channels and providers, and let Equali reconcile, categorise and post every transaction. Start free, or see it on your own data.
