Nightly Bank Reconciliation at 03:00 WAT
Match Paystack, Flutterwave & NUBAN bank settlements autonomously while your finance team sleeps.
African businesses lose hundreds of hours cross-referencing bank statement PDFs with invoices. Spike’s autonomous reconciliation daemon awakens at 03:00 WAT, ingests bank feeds, decomposes merchant gateway charges, and reconciles settled invoices with zero suspense carryover.
14 hrs
Saved per accountant every week
0.00
Unreconciled suspense balance carried over
03:00 WAT
Nightly automated execution schedule
100%
Audit-ready double-entry ledger balance
Manual drag vs autonomous execution
- ×Downloading 4 separate bank statement CSVs every Friday and cross-checking lines manually.
- ×Mystery deposits: bank credits showing "NIP TRANSFER" without invoice numbers or customer IDs.
- ×Payment gateway fees (1.5%) lumped together with customer payments, distorting gross revenue.
- ×Taking 14 business days after month-end to produce an accurate trial balance.
- ✓Nightly automated ingestion of bank feeds and gateway settlement webhooks at 03:00 WAT.
- ✓Fuzzy matching algorithms match payments by transaction reference, amount, and debtor identity.
- ✓Merchant fees are automatically separated and booked as merchant expense, preserving gross revenue.
- ✓Trial balance updates in real time; CFO opens an up-to-date ledger over morning coffee at 08:00 AM.
Autonomous event bus telemetry
Demonstration of real daemon log events dispatched by Spike during this workflow.
Step-by-step operational timeline
Daemon Initialization
Auto DaemonAutonomous reconciliation engine triggers, querying bank APIs and gateway settlement feeds.
Batch Matching & Ledger Journaling
Auto Daemon284 settlements matched to unpaid invoices; gross/net split journals created in double-entry books.
WhatsApp Receipts Dispatched
Auto DaemonCustomer payment confirmations sent via WhatsApp Cloud API; trial balance balances with zero suspense.
Executive Briefing Delivered
Executive WhatsApp digest delivered to the CEO and CFO with net cash collections from overnight.
Built-in operational safeguards
Settlement Batch Decomposition
When Paystack or Flutterwave settles ₦1,485,000 for a ₦1,500,000 invoice batch, Spike automatically posts ₦1,500,000 to Accounts Receivable and ₦15,000 to Gateway Processing Expense.
Virtual Account Instant Auto-Match
Every customer invoice carries a dedicated dynamic virtual account number. When the customer transfers funds, the invoice reconciles in under 2 seconds.
Automated Exception Routing
Unusual deposits that fail matching are queued into a clean Review Drawer with suggested candidate matches for one-click accountant sign-off.
Immutable Audit Trail
Every auto-reconciled entry records the gateway transaction ID, bank reference, timestamp, and rule match score for external auditors.
Apps orchestrating this workflow
Finance & Ledger
Double-entry general ledger & trial balance
Billing
Invoices, payment links & receivables
Automation
Background scheduled daemons & triggers
Frequently asked questions
Automate this workflow on Spike Console
Activate this operational routine today. Zero setup contracts. Unlimited team seats.