Reconify vs Settler
Reconify
reconifyhq.comSettler
settler.devSide by side
| Figure | Reconify | Settler |
|---|---|---|
| Price from | $399/mo | $99/mo |
| Free plan | — | Yes |
| Free trial | Yes | Yes |
| Open source | Yes | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| Linux | Yes | Yes |
| API | Yes | Yes |
| Self-hosted | Yes | Yes |
| Plans published | 2 | 4 |
| Spec score · Account Reconciliation Software | 8.8 (#1) | 7.8 (#9) |
| Compliance | The pricing page labels SOC 2 as planned; it does not state that Reconify is SOC 2 certified. | Settler says it is not a compliance certification and describes audit export as compatible with SOC 2 evidence collection, alongside data residency and configurable retention controls. |
| Integrations | Built-in connectors are listed for Stripe, Paddle, Paystack, Flutterwave and FedaPay. | Listed adapters include Stripe, PayPal, Square, Shopify, QuickBooks, Xero, NetSuite, SAP, Plaid, TrueLayer, and Chargebee, with 14 more stated on the page. |
| Security | Reconify says sensitive evidence envelopes, provider attempts, and stored integration secrets use authenticated encryption before crossing protected storage boundaries. | The security page states that tenant data is partitioned at database, API, and runtime layers, with row-level PostgreSQL security and tenant-scoped API keys. |
| Self-hosting | Self-hosted deployment is available by agreement, and self-hosted operators are responsible for securing and maintaining their deployment environment. | Settler offers Docker Compose and Kubernetes deployment targets, and says self-hosted mode has no telemetry by default and is Apache 2.0 licensed. |
| Support | Enterprise support terms are defined by agreement, while Startup includes guided setup and onboarding. | The pricing page lists Community support for Open Source, Email for Cloud API, and named operator plus escalation for Managed Operations. |
Plans
Settler
- Open SourceFree
- Cloud API$99 a month
- Managed Operations$399 a month
- Enterprise DedicatedPriced on request
In their own words
Reconify
Reconify monitors payment flows for missing, late, duplicated, or mismatched outcomes, attaching supporting evidence to findings so teams can investigate outcomes that need attention. Its Startup plan provides bounded continuous reconciliation for one focused financial operation and allows unlimited submitted events and team members. The listed integrations are Stripe, Paddle, Paystack, Flutterwave, FedaPay, and a custom API connection. Email alerts are available, with optional Slack delivery; Slack workflows are limited on Startup. Startup costs $399 a month and includes 30 days of evidence history, guided setup and onboarding, and managed deployment. Enterprise pricing and terms are set by agreement, including its support and options for controls, workflows, retention, integrations, and deployment. Self-hosting is also available by agreement, with operators responsible for securing and maintaining their environment. Reconify describes authenticated encryption for sensitive evidence, provider attempts, and stored integration secrets, along with organization-scoped access and workspace roles. SOC 2 is marked planned, not certified. Platforms listed include API, Linux, macOS, self-hosted, web, and Windows.
Settler
Settler is API-first financial reconciliation software that turns transaction flows into repeatable runs, explainable exceptions, and replayable evidence. Its rules-as-code engine applies configurable policies and field-level tolerances so the same inputs produce consistent results. Runs can generate linked-hash manifests, provenance chains, structured evidence, and audit export bundles. Exception records include deterministic context and operator decisions; AI assistance is advisory, with people retaining final authority. Listed adapters include Stripe, PayPal, Square, Shopify, QuickBooks, Xero, NetSuite, SAP, Plaid, TrueLayer, and Chargebee, with 14 more stated on the page. The API supports tenant-scoped runs, evidence retrieval, replay, and health checks. Settler can be self-hosted with Docker Compose or Kubernetes, and its self-hosted mode has no telemetry by default and uses the Apache 2.0 license. Open Source is free and limited to 10,000 monthly reconciliations; Cloud API costs $99 a month and Managed Operations costs $399 a month. Settler says it is not a compliance certification.