Where does Recouped fit?

Done-for-you, at a flat fee. For an online business we tie the payment platform, the bank, and the ledger for the month and hand the exceptions to your accountant to review and sign. Where the money is owed by a counterparty instead, we document the overcharge and you keep all of what is recovered. It is built for the operators the enterprise tools price out.

Can't my accountant do this?

Most bookkeeping and accounting matches totals, not individual transactions against the source statement, which is where the errors hide. Reconciliation at the line level is a different, more specialized job.

What does done-for-you cost versus software?

Sticker against sticker is not a comparison you can actually make, because the capable tiers are not published. Ledge quotes one platform fee tailored to your close; Numeric lists an entry tier at $30 per user per month and prices Growth and Enterprise on request (both checked August 2026). What you can compare is total cost of ownership: the quoted fee plus the staff time to configure the tool and work its exception queue every period, against a done-for-you flat fee where that operating time is not yours to spend.

Reconciliation: build, buy, or done-for-you

There are three ways to get reconciliation done: build it in-house, buy reconciliation software, or hand it to a done-for-you service. The right choice comes down to volume, engineering capacity, and whether you want a tool or an outcome.

What does building reconciliation in-house involve?

Building your own reconciliation means an engineer, or a finance analyst in spreadsheets, matching statements to records every period. It gives you total control and no per-seat fees, but the real cost is ongoing: every new processor, carrier, or format is more maintenance, and the work competes with everything else your team could be doing. It makes sense at high volume with dedicated finance engineering, and rarely below that.

What do you actually get from buying reconciliation software?

Reconciliation platforms are genuinely capable and built for scale. Two catches: the tiers that do the real work are quoted per scope rather than published, so you cannot size the cost without a sales call, and they are tools, not outcomes. Someone on your team still has to configure the matching rules, work the exception queue every period, and chase the recoveries with the counterparty. You are buying leverage for a finance team you already have, which is excellent if you have one and beside the point if you do not.

What is done-for-you reconciliation?

A done-for-you service runs the reconciliation for you and hands back the result: the documented, recoverable dollars, ready to claim. There is no software to staff and no exceptions queue to work. It fits operators who have the leak but not a finance team to point at it, and it is priced as a flat fee against the work, not a percentage of what you recover. The industry term for this shape of offering is reconciliation as a service, though what that phrase covers varies widely by vendor.

What is the real cost of each option?

The licence or the fee is the visible cost, and usually not the deciding one. Building carries permanent maintenance: every format change is engineering work that has to happen before month-end. Buying carries operating cost, because a tool that nobody works is a tool that produces an exception queue and no recoveries. Done-for-you carries the least internal cost and the least control, since you are buying an outcome rather than a capability you keep. Compare the total of fee plus the staff time each option genuinely requires, not the fee alone.

How do you choose between them?

Ask two questions. Do you have the engineering or finance capacity to run a tool every period? And do you want a tool or the outcome? High volume plus a finance team points to build or buy. The leak without the team, or a preference for the answer over the apparatus, points to done-for-you. There is a real gap below the enterprise software tier, and it is mostly filled today by spreadsheets and hope.