“Pagador has come to light with the objective of integrating every existing means of payment in the market, thus providing greater control, efficiency, automation of the processes, reduction of costs and trust in the payment processing. According to the philosophy of the company, the Technology Department seeks constant innovation and perfecting of the tools available for our clients”.

(Technology Manager)

To conciliate credit card payments in Brazil, the enterprise must verify its bank account, manually search the credit card operators’ deposits and check the information against its sales management system.

However, it is not simple to understand the file rules of the credit card operators. The payment identification process and exceptions such as delayed deposits and charge-backs are as complicated.

Due to knowing all those rules and for having extensive experience in the segment, Braspag has developed a management platform of payment deposits made through credit cards for internet sales, call centers and also physical store.

The Conciliation System automatizes the whole Back-Office Process and shows the information in a consolidated and clear manner.

The Conciliation System receives the detailed cash flow report of the processed credit card payments straight from the store or the Pagador.

At the same time, it receives the return files of deposit from the credit card operators.
With these two documents the system automatically checks the information and provides the client a consolidated payment report, specifying the transaction number of the Pagador and the respective Payment Status, considering every type of exception.

The consolidated Reconciliation excerpt is daily sent to the client, or accessed via web.