SettleFlow vs SettlePair
SettleFlow
settleflow.inSettlePair
settlepair.comSide by side
| Figure | SettleFlow | SettlePair |
|---|---|---|
| Price from | ₹9,999/mo | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | — |
| Plans published | 5 | 1 |
| Spec score · Payment Reconciliation Software | 8.5 (#5) | 7.9 (#8) |
| Documentation | The public site provides feature, FAQ, pricing, privacy and terms pages but no separate public developer documentation was identified. | Documentation consists of the FAQ, workflow guide, scoring-model page, security page, terms, acceptable-use policy and changelog. |
| Purpose | SettleFlow reconciles payment gateway, marketplace, bank and accounting data to identify differences in settlements and fees. | SettlePair matches bank deposits to invoices using CSV exports and leaves match decisions to the user. |
| What it does | SettleFlow reconciles payment gateway, marketplace, bank, accounting and internal order data for Indian finance teams. | SettlePair matches bank-deposit CSV records to open-invoice CSV records and lets users review the proposed matches. |
Plans
SettleFlow
- Free DiagnosticFree
- Starter₹9,999 a month
- Growth₹19,999 a month
- Scale₹35,000 a month
- CA firms, agencies & custom₹60,000 a month
In their own words
SettleFlow
SettleFlow is a web service for Indian sellers, agencies, and CA firms that reconciles payment gateway, marketplace, bank, and accounting data. It recalculates fees against applicable rate cards and flags commission differences, shipping or weight errors, duplicate deductions, and unsettled orders. GST checks connect settlement data with GSTR-1 and GSTR-3B and examine marketplace TCS reported in GSTR-8. Data can come from listed payment processors, marketplaces, accounting tools, databases, bank statements, and the GST portal. Users may upload settlement, order, and returns reports as CSV or Excel, or use scoped read-only API access where available. Findings show claim deadlines, filing routes, and required evidence, with tracking for claims and recoveries. Runs create downloadable CSV tables and workbooks containing summaries and order-level detail; an audit trail records operational changes. Workspaces provide owner, admin, analyst, and read-only roles, multiple entities, and client management. Plans start at ₹9,999 a month, with a free diagnostic option.
SettlePair
SettlePair is a free browser tool that matches bank deposits to invoices from CSV exports. Its deterministic, rule-based scoring shows the evidence behind each result and leaves the final match decision to the user; it does not use AI. Payment exceptions can be handled by allocating partial payments, splitting one deposit across invoices or applying several deposits to one invoice. After review, users export a file named settlepair-reconciliation.csv. Invoice and bank files are parsed in the browser and never uploaded. An account for personal files stores an email address only. Payer rules and opted-in saved sessions stay on the user’s device, with saved sessions expiring after 30 days. SettlePair does not connect to banks or accounting systems, so users import CSV exports and record reviewed results themselves. It supports current desktop Chrome, Edge, Firefox and Safari, plus the same browser engines on mobile. Very large files depend on available device memory. The product targets small businesses, bookkeepers and accounts-receivable teams. Its beta plan costs nothing, with no subscription tiers or usage limits.