Reconciliation built for South African fuel retail

Stop reconciling your forecourt
in Excel.
See variances the second they happen.

PRA pulls real data straight from WinBranch, your SEFT acquirer portal, iZicash safe drops and your bank — then ties every transaction together. R-by-R, terminal-by-terminal, 24 hours a day.

No credit card · onboarding included · 14-day pilot

app.petroretail.co.za / dashboard
14-day reconciliation
R 432.60Millustrative reconciled
Match rate
96.40%illustrative
Sites in view
24 sample
Latency
~30s target
LIVE TAPESEFT → POS · streaming14ms RTT
14:02:11JHB-001R18 420B-8349214:01:58CPT-007R9 180B-8349114:01:42DBN-003R41 220B-8348814:01:39PTA-002R22 900B-8348614:01:28BFN-006R6 710B-8348514:01:11STB-025R2 840B-8348214:01:02PMB-033R73 410B-8347814:00:51JHB-014R14 220B-8347714:00:33RIC-027R3 080B-8347514:00:21MTH-017R10 440B-8347014:02:11JHB-001R18 420B-8349214:01:58CPT-007R9 180B-8349114:01:42DBN-003R41 220B-8348814:01:39PTA-002R22 900B-8348614:01:28BFN-006R6 710B-8348514:01:11STB-025R2 840B-8348214:01:02PMB-033R73 410B-8347814:00:51JHB-014R14 220B-8347714:00:33RIC-027R3 080B-8347514:00:21MTH-017R10 440B-83470
Bank-card variance · 14d
R 1.13M
Open alerts
8
Closed (7d)
42
Built for the SA fuel-retail networksENGENSHELLBPCALTEXSASOLTOTALASTRONPUMA
Illustrative · sample numbers
R0
Reconciled in 14 days (sample)
0
Sites in pilot
0
Transactions matched / month (sample)
0
Uptime target
Match Engine

Four-tier matching.
R-by-R confidence.

Every settlement we ingest is run through a four-stage match algorithm until we know exactly where each rand came from — or flagged as unmatched, the moment it lands.

1
Strong match
approval_code + amount + terminal + datetime ±5min
82%
2
Terminal match
terminal + amount + datetime ±5min
11%
3
Amount + time
amount + datetime ±5min
3.4%
4
Orphan
unmatched · flagged for review
3.6%
SEFT settledR 432.6M · 14d · acquirer sideMatched · bank cardsR 416.0M · 96.4% matchSettled · FNBapprovedUnbankedR 187k · investigateVarianceR 1.13M
Built for retail fuel

Everything Excel can't.

Real-time alerts, AI queries, a 3-year audit trail, and twelve years of South African fuel-retail edge cases hard-coded into the engine.

Batch + transaction reconciliation

SEFT settlements automatically matched against POS-EFT records. Day-level + per-batch FDL ↔ FNB tie-out. Variance and unbanked alerts the moment they happen.

9 verified fraud patterns

Tender misclassification · drops without WinBranch entry · phantom debtor accounts · collusion rings · cross-site cash pooling · wet-stock variance > 1% · EFT > 2 days unbanked.

AI Analyst (β)

Ask in natural language — "show me yesterday's cashier variance" — get a structured answer with cited data. SQL validator V1–V9 + JWT-scoped blocked-table list. PCI-safe.

Defence-in-depth security

JWT-bound RLS on every table. PCI-DSS-sensitive fields (CARD, TRACK*, CVV2…) hard-rejected at extractor, loader and Edge Function. Hosted in eu-west-2. Designed for POPIA.

Zero-touch ingestion

Your WinBranch daily backup syncs to a private cloud folder we provide — nothing installed on the till network, nothing ever written back. SEFT portal via our browser extension; bank statements via CSV upload.

3-year query-aging guard

Banks delete unresolved settlement queries after ~3 years. We track every unmatched transaction from open → chased → resolved, warning at 2y9m. Turns "acceptable loss" from passive to active.

How it works

Installed in a morning.
Reconciling by lunch.

01

Connect your daily backup

Your BOS PC already makes a WinBranch backup every morning. Point it at the private cloud folder we provide — 15 minutes, nothing installed, no risk to the till system.

02

Authorize feeds

Pair the SEFT acquirer portal via our browser extension. Drop FNB statement CSVs. FNB settlement-report PDFs ingest automatically from the same cloud folder.

03

Engine matches

Four-tier algorithm reconciles bank, fleet and other tenders in real time. Variances and unbanked surface in the Command Center.

04

Chase + close

Exceptions workspace ages every alert. Assign, comment, escalate. AI Analyst answers questions in plain English.

Security & compliance

Built with the controls your acquirer audits to.

POPIA-aligned PCI-DSS · PAN masked at source ISO 27001 — working toward JWT-bound RLS eu-west-2 hosted SOC 2 — on our roadmap

We used to close month-end on the 11th. With PRA we close on the 2nd, and we've recovered R 480 000 in unbanked SEFT we'd have written off as "acceptable loss".

OD
Operations Director
Independent fuel retailer · 24-pump forecourt
Pricing

Per site. Per month.
No per-transaction fees.

ZAR pricing. Edge Agent installation and onboarding included on every plan.

Starter
Single site · core reconciliation
R 1,999/site/month
  • 1 site / location
  • Automatic daily-backup ingestion
  • Cash + EFT + ATG recon
  • SEFT direct sync
  • Email support
Get a demo
Professional
Single site · operational reporting + roles
R 3,499/site/month
  • Everything in Starter
  • Tender-classified recon
  • RBAC · cashier · manager · owner
  • Variance + anomaly alerts
  • Priority WhatsApp support
Start Professional
Professional + AI
+ natural-language AI Analyst
R 5,999/site/month
  • Everything in Professional
  • AI Analyst · NL ops queries
  • AI-generated bookkeeper reports
  • AI anomaly explanations
  • Cost-capped · admin-adjustable
Add AI to my site
Enterprise
Multi-site · bank-feed · SLA
R 9,999/site/month
  • Everything in Professional + AI
  • Unlimited AI queries
  • Multi-site Org dashboard
  • Stitch Money / FNB API feed
  • 24/7 SLA · account manager
Contact sales

Billing via Paystack. Excludes VAT. Annual commitment: 2 months free. Feeds run off the WinBranch daily backup your BOS PC already makes — no extra hardware, nothing installed on the till network.

FAQ

Common questions.

No. We read a copy — the daily backup your BOS PC already makes, synced to a private cloud folder. Nothing is installed on the till network and nothing is ever written back to WinBranch. Card-sensitive fields are stripped before anything is stored.

A morning per site. Point the BOS PC's daily backup at the private cloud folder we provide (~15 min with your IT person), pair the browser extension to your SEFT portal session (~5 min), upload last month's FNB CSV. You'll see live data in the dashboard within an hour.

Fleet cards (card_type=10) are tracked and classified, but excluded from SEFT comparison — they settle through a separate acquirer (typically Wesbank Fleet). We're shipping fleet-card reconciliation in Sprint 9.

Yes. PCI-sensitive fields (CARD, TRACK1/2, CVV2) are rejected at three layers: extractor, loader, and the AI Edge Function. The model never sees them. All SQL the AI generates is passed through validators V1–V9 before execution, with a JWT-scoped blocked-table list per site.

We maintain the Chrome extension and ship updates within 24h of any acquirer portal change. Your site keeps reconciling — we'll fall back to manual CSV upload while the new selector ships, with no data loss.

Yes — PDF and CSV exports on every plan, broken down by day, batch, tender class, or site. The Professional + AI plan also generates narrative reports your accountant can drop into a month-end pack.

Ready to see your forecourt in real time?

20-minute live demo with your own data. No slides. No sales pitch. Bring last month's SEFT export.

Book a 20-minute demo View the dashboard →

POPIA-aligned · PCI-DSS PAN masked at source · eu-west-2 hosted