One PlatformFor Financial Operations
As institutions integrate with more providers, acquirers and banks to solve Africa's fragmented payment landscape, every new integration creates another blind spot, another manual process, another inefficiency. Seam accelerates that cost down, and recovers the revenue hiding inside it.
Watch the matchhappen, live.
Internal GL on one side. Provider statement on the other. Click run, and watch the engine work.
Sample of 3,412 rows in this run · full ledger available in the console
Matched
0
Reference + amount + date
Within tolerance
0
Fee absorbed, booked as cost
Exceptions
0
Carried forward or routed
Run match rate
—
Calculating across 3,412 rows
Seam exists because African financial infrastructure was never built to operate with shared context.
A payment moves through a provider, a switch, a card scheme, an acquirer, a ledger, each recording what happened differently, on a different clock. The failure almost never happens inside a system. It happens in the seam between them.
All your workflowsseamed into one platform.
From settlement validation to real-time revenue assurance, choose your modules and see how Seam works for your institution, with Sia running inside every flow.
No 6-month implementation. Connect Once.
No custom data engineering on your side. Connect your data, configure your rules, and produce your first audit-ready run immediately.
Sources
Shared context
Every source resolved to one record before any rule runs.
Outputs
Expected against received, per cycle
98.4% auto-matched, exceptions grouped
₦12.4M recoverable, evidence attached
Connect
Providers, acquirers, core systems and ledgers: API, SFTP, extraction, or file upload. Connect once.
Standardize
Sia cleans, maps, and normalizes fragmented data into one canonical record before any workflow runs.
Act
Exceptions, leakage, and risk surface with evidence attached, early enough to still change the outcome.
Built for African institutions.
AI without context produces noise. Sia sits on the normalized layer, reading across every provider, acquirer, and ledger you're connected to.
Smart Data Mapping
During onboarding, AI suggests how your chart of accounts maps to platform fields. Your team approves.
Auto-drafted Commentary
Draft management commentary and audit notes from the actual run data. Two hours of writing becomes fifteen minutes.
Revenue leakage decreased 34% this period, primarily from resolving the GTBank fee variance.
Settlement breaks reduced to 0.04% of total value, down from 0.11% last month.
Card acquiring remains the largest contributor to recovered revenue at 56% of the total.
Why did reconciliation break yesterday?
Three causes account for all 22 exceptions:
- 12 Providus timing gaps, credits posting T+1 (valid)
- 8 FX rounding differences under ₦0.50 tolerance
- 2 need review: one duplicate payout, ₦1.4M
Built with African workflows in mind. Not retrofitted from Western tools.
Regulator templates that match what CBN actually asks for. Macro overlays calibrated to local cycles. An implementation team that speaks your compliance vocabulary. Global rigour, contextualised for the markets you serve.
0 API
Access every data source
0+
Financial institutions
0%
Manual intervention
<0 mins
Data mapping and resolutions
One Integration. Every Data Signal
Financial institutions operating in Africa piece together FX rates, merchant category codes and holiday calendars from multiple global providers, none built with African realities in mind. Seam's marketplace puts it all behind one connection. Connect once. Access everything.
FX Data
Daily and historical exchange rates, official, interbank and parallel-market, by corridor and provider, so conversions and settlements reflect the rates institutions actually see in African markets.
Merchant Category Codes
Standardized MCC reference data mapped to local merchant types, giving reconciliation and reporting a consistent way to classify transactions across providers and markets.
Holiday Data
Public and banking holiday calendars by country, keeping settlement schedules, cut-off times and SLA calculations accurate across every market you operate in.
One Platform.Every System Connected.
Whether you're settling merchants, reconciling millions of transactions, or protecting revenue that's already yours, Seam gives every team one trusted infrastructure to see across the fragmentation.