Industry

F&B & Retail Automated Financial Systems

Eliminating manual cash and digital payment reconciliation for multi-outlet operations.

Overview

How we work in this sector.

A multi-outlet F&B business settles through more payment rails than most banks do: cash, multiple QRIS providers, debit and credit networks, each with its own fee schedule and its own settlement calendar.

We build the reconciliation layer that matches every one of those transactions back to the till automatically, so a store manager's daily close takes minutes and finance can trust the number without re-checking it.

Multi-bank
Settlement mutations matched across every channel
MDR-aware
Net settlement calculated automatically, not guessed
Multi-branch
One executive view across every outlet
Point-of-sale counter at a busy multi-outlet restaurant
Sector challenges

What we hear most often.

Daily cash-close takes hours because nothing reconciles itself.

QRIS, debit and credit settlements land in the bank on different days with different fees.

A missing transaction is discovered by accident, weeks into the month.

Merchant discount rates are deducted invisibly, and nobody checks the math.

Each outlet reports sales differently, so head office sees a delayed, inconsistent picture.

Tax and accounting exports are assembled by hand from five different sources.

Capabilities

What we build for this sector.

Auto-reconcile sales engine

Automatically matches daily POS sales logs against multi-bank mutations (BCA QRIS, Mandiri Debit, BRI, etc.).

MDR & net settlement analytics

Calculates Merchant Discount Rate (MDR) deductions automatically to verify net bank deposits.

Discrepancy highlighting

Instantly flags un-matched transactions, payment processor delays, or cash register shortfalls.

Multi-branch aggregation

Single unified executive overview combining sales, bank receipts, and channel trends across all branch locations.

Executive rollups

One dashboard combining sales, settlements and channel trends for ownership and finance leadership.

Case studies

Selected work in this sector.

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