POS · transfers · cash · one daily close

Short again, and nobody can say where.

Reconlly matches every POS settlement, bank transfer and cash sale against what your shop actually recorded, then shows you the exact transactions that do not agree — by name, by time, by terminal.

Start free See if it's worth it

Free while you have one terminal. Read-only access to your accounts — Reconlly can see what happened and can never move your money.

Daily close · 11 Sept Ogunlade Stores · Ikeja

Your records ₦486,300 142 sales entered

Bank & POS ₦482,100 138 settlements received

Unexplained −₦4,200

              
              POS terminal 1 · batch settle
              ₦318,400
              Matched
            
              Transfers received
              ₦121,700
              Matched
            
              Sale 14:22 · no settlement found
              ₦2,800
              Missing
            
              POS fees not recorded
              ₦1,400
              Unbooked

Illustrative daily close

Where it goes

It is almost never one big theft. It is forty small gaps.

Shop owners who find themselves short every evening usually assume someone is stealing. Sometimes someone is. Far more often the money went to five ordinary things nobody wrote down: a POS fee, a sale settled the next morning, a refund given in cash, an entry written twice, and a transfer that came in under a name nobody recognised.

None of those are visible from a notebook, because a notebook only holds one side of the story. You cannot reconcile with a record that has nothing to be reconciled against.

Reconlly holds both sides — what you recorded and what the money actually did — and puts the difference on one screen every evening, itemised.

Fig. 1 — CompositionFrom reconciliations run across shops in our pilot cohort. The mix varies enormously by business — a shop taking mostly cash looks nothing like one taking mostly transfers — and your own breakdown appears in the app after about two weeks of closes.

How it works

Four steps, and the close takes about two minutes.

Connect what you already use

POS terminals, bank accounts and mobile money, linked read-only. Nothing about how you take payment changes.

Record sales how you like

Type them, or photograph the notebook page and we read it. Keep writing in the book if that is what works.

We match both sides

Every settlement, transfer and entry matched automatically, including payments that settle the next morning.

You review the exceptions

Only what didn't match, with the time, amount and terminal. Usually three or four lines, not a spreadsheet.

What it catches

Named exceptions, not a number that's wrong.

"You are short ₦4,200" is not useful. "Sale at 14:22 for ₦2,800 never settled, and ₦1,400 of POS fees were never booked" is something you can act on before closing.

Exception	What it means	How often	Action
Missing settlementSale recorded, no matching payment	Either the terminal settled late, or the sale never completed	Daily	Wait 1 day
Unbooked feesMoney taken by the POS provider	Charges deducted at settlement that were never recorded as a cost	Every settlement	Auto-booked
Duplicate entryThe same sale written twice	Usually two people recording the same transaction	Weekly	Auto-merged
Unidentified transferMoney in from an unknown name	A customer paying from a different account than usual	Weekly	Confirm once
Cash gapCounted cash below recorded cash sales	Refund, float taken, or a genuine shortage	Varies	You review
Settlement never arrivedBeyond the provider's stated window	The provider owes you money and has not paid it	Monthly	Raise dispute

Is it worth it

Work it out before you sign up, not after.

If your shortfall is small and your books take twenty minutes a week, this probably is not your biggest problem yet. The calculator will say so.

Unexplained, per year

₦936,000

Worth finding — that is 1.7% of your annual takings

Hours a year on reconciliation312 hrs

Your monthly turnover₦4,679,640

Reconlly at your size₦3,500 / mo

Reconlly per year₦42,000

Reconlly finds where the money went and stops the bookkeeping causes repeating. It cannot recover what has already gone, and it is not an accusation against anyone — most of what it surfaces turns out to be timing and fees rather than theft.

Pricing

By your size, and free until you outgrow it.

Plan	Monthly turnover	Price	Includes
Single till	Under ₦1m	Free	One terminal, one bank account, daily close, exception list
Shop	₦1m – ₦5m	₦3,500 / mo	Adds unlimited terminals, notebook photo capture, monthly statement
Multi-till	₦5m – ₦20m	₦7,500 / mo	Adds staff accounts, per-till reporting, supplier payments
Business	₦20m – ₦100m	₦15,000 / mo	Adds multi-branch, accountant export, dispute pack generation
Group	Over ₦100m	₦30,000 / mo	Adds API, consolidated close, named support

Read-only, always

Reconlly can see your transactions and can never initiate one. There is no permission we hold that would let us move your money, and none we would accept.

Your books stay yours

Export everything as a spreadsheet or an accountant-ready file whenever you want, including after you stop paying us.

No contract

Monthly, cancel in the app. Drop below a tier and the price drops with you automatically rather than at renewal.

Works with a notebook

You do not have to abandon the book. Photograph the page and we read it — the point is to match it against something, not to replace it.

Questions

Asked in the shop, not in an office.

Do I have to stop using my notebook?

No. Photograph the page at the end of the day and Reconlly reads the entries. A notebook is a perfectly good record — the problem was never the book, it was that there was nothing to check it against. Plenty of our shops have written in the same book for fifteen years and will keep doing so.

Will this tell me if my staff are stealing?

It will tell you which transactions do not reconcile, at what time, on which till. Sometimes that points at a person. Much more often it points at a POS fee or a settlement that landed the next morning, and we would rather you found that out before confronting anyone. We deliberately do not label anything as theft — that judgement is yours and it should be made on more than a variance line.

Can Reconlly take money from my account?

No. Account access is read-only, which is a technical restriction rather than a promise — the connection type we use does not carry payment permission at all. Subscription payments are a separate card or transfer authorisation that you control and can cancel independently.

My POS provider settles late. Does that break it?

That is one of the main things it exists for. Reconlly knows each provider's normal settlement window and holds a sale as pending rather than flagging it as missing. Only when a settlement passes the provider's own stated window does it become an exception — and at that point the money is genuinely owed to you and we generate the dispute reference.

What if I have more than one shop?

Each branch closes separately and you see a consolidated position across all of them. Branch managers can be given access to their own close without seeing the others, which is usually what shop owners want as soon as they have a second location.

Is my accountant going to accept this?

Most prefer it. The export is a proper transaction ledger with matched settlements, booked fees and a documented exception history, which is considerably more than a notebook gives them. Several of our shops were referred by their accountant rather than finding us themselves.