Side by side
Reconify vs Settler
Both stand on account reconciliation software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free trial Open source APILinuxMac+3
Choose Reconify if your payment team needs ongoing reconciliation and evidence-backed investigations, especially for one focused operation on Startup. Look elsewhere if you need more than 30 days of Startup evidence history or unrestricted Slack workflows; Enterprise retention and terms are set by agreement.
Visit Reconify Free plan APILinuxSelf-hosted+1
Settler combines rules-based reconciliation with replayable records and operator-led exception review. The free self-hosted plan has a monthly volume limit, while cloud and managed plans have listed monthly prices.
Visit SettlerThe facts
| Reconify | Settler | |
|---|---|---|
| Free plan | A free trial | Yes |
| Open source | Yes | Not published |
| Runs on | API, Linux, Mac, Self-hosted, Web, Windows | API, Linux, Self-hosted, Web |
| Lowest paid plan | Startup: $399 a month | Cloud API: $99 a month |
| Plans published | 2 | 4 |
| Maker | Not published | Not published |
| Website | reconifyhq.com | settler.dev |
| On account reconciliation software | #1 of 21 | #5 of 21 |
Reconify: what it does well
- Flags missing, late, duplicated, or mismatched payment outcomes with supporting evidence.
- Startup allows unlimited submitted events and team members.
- Integrations include Stripe, Paddle, Paystack, Flutterwave, FedaPay, and custom API.
- Email alerts are available, with optional Slack delivery.
- Security features include authenticated encryption and organization-scoped access.
What to know first
- Startup is limited to one focused financial operation.
- Startup evidence history is 30 days.
- Startup Slack workflows are limited.
- Self-hosted deployment is available only by agreement and requires operator security and maintenance.
Settler: what it does well
- Repeatable matching uses configurable rules and field-level tolerances.
- Runs can produce hash-linked audit evidence and replay traces.
- Exceptions record context and auditable operator decisions.
- Self-hosting is available through Docker Compose and Kubernetes.
- API supports tenant-scoped runs, evidence retrieval, replay, and health checks.
What to know first
- Open Source is limited to 10,000 monthly reconciliations.
- Cloud API costs $99 a month.
- Managed Operations costs $399 a month.
- Settler is not a compliance certification.
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