Eko Recon vs OneCap

Eko Recon is an open-source bank reconciliation platform for fintech operations, released under the MIT license. It accepts CSV, XLSX/XLS, PDF and tab-separated text files, recognizing headers and formats automatically. Its priority-ordered rules match transactions using TID, tracking number, UTR and amount, with flags for amount-tolerance mismatches. Teams can review Open Items, match manually, record overrides with mandatory remarks, use maker-checker approvals and add ad hoc tags. Modules cover DMT, AePS settlement, PG net settlement, QR settlement and chargebacks, E-Value wallet loads, BBPS refunds and SBI Kiosk P01–P04. Reports include summaries, ageing, SRC analysis, matched-pair exports, EOD digest emails, scheduled subscriptions and monthly reconciliation certificate PDFs. Controls include append-only audit logs, JWT and API-key authentication, IP allowlists, per-module permissions, product data scoping and session logging. It runs locally or in Docker as one container, with SQLite by default and MySQL or PostgreSQL options for production. A JSON API is documented through Swagger and ReDoc. Optional AI providers receive de-identified fields and return advisory output requiring human approval.

OneCap is a web-based financial reconciliation platform for enterprise finance teams. It validates and reconciles transactions across ERPs, marketplaces, payment channels and banks, covering supplier and customer ledgers, bank and payment gateway records, inter-company accounts, card settlements, GL, nostro, treasury and payments. Its Ask mode handles natural-language financial queries, Run mode supports recurring finance processes, and Reconcile mode focuses on reconciliation. Matching rules can account for tolerances, reference priorities, grouping, partial settlements, chargebacks and timing differences; they can also improve from resolved exceptions. OneCap classifies exceptions by likely accounting cause and recognizes reversals, accruals, adjustments and carry-forward balances. It can ingest financial files and feeds including bank statements, PDFs, emails, portal exports and APIs. Named integrations include TallyPrime, Zoho Books, Odoo, ERPNext and Focus. The service offers 10 free ledger reconciliations without a credit card; paid plan prices are custom quotes. OneCap says financial data is encrypted with AES-256, connections use TLS 1.3, and its infrastructure runs on AWS.