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Written by
Benjamin Joyeux
Co-founder
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June 16, 2026

Why Most Online Merchants Don't Need Enterprise Payment Reconciliation Software

Introducing the Free Payments Intelligence Plan from Unetix

The Spreadsheet Problem Most Merchants Eventually Face

Every merchant starts in the same place.

A single payment provider.

A manageable number of transactions.

Simple reporting.

Then growth happens.

A second PSP is added to improve approval rates.

A third PSP supports expansion into new markets.

A fraud tool enters the stack.

An acquirer is introduced.

Before long, payment data is scattered across multiple systems.

Finance teams spend hours:

  • Exporting CSV files
  • Comparing settlement reports
  • Matching transaction IDs
  • Investigating discrepancies
  • Building manual reports

What began as a growth strategy becomes an operational burden.

The Average Merchant Doesn't Need 10 PSPs

One of the biggest misconceptions in payments is that merchants need highly complex payment infrastructures.

Our data tells a different story.

The average Unetix merchant operates with just 2.7 payment providers.

The most common combination includes providers such as:

  • Stripe
  • Adyen
  • PayPal
  • Worldpay
  • Checkout.com

For most businesses, visibility across these providers is enough to uncover significant opportunities for optimisation.

The challenge isn't having more providers.

It's understanding how your existing providers are performing.

Why Payment Intelligence Matters More Than Reconciliation

Traditional reconciliation answers one question:

"Do the numbers match?"

A Payments Intelligence Platform answers far more important questions:

  • Which provider delivers the highest approval rate?
  • Where are customers encountering payment friction?
  • Which processor is generating the most revenue?
  • How much recoverable revenue are you losing?
  • Are chargebacks increasing?
  • How does your payment performance compare with similar merchants?

Reconciliation is the foundation.

Intelligence is the outcome.

The merchants that grow fastest are not the ones with the most payment providers.

They're the ones learning the most from their payment data.

What You Get With the Free Unetix Plan

Connect Up to 3 Payment Providers

Connect leading PSPs including Stripe, Adyen, PayPal and other major providers in minutes.

Instead of logging into multiple dashboards, see your payment ecosystem from a single platform.

Reconcile Up to 100,000 Transactions Per Month

Automatically match and reconcile transactions across your payment stack.

No spreadsheets.

No manual investigations.

No month-end surprises.

Monitor Payment Performance

Track:

  • Approval rates
  • Refunds
  • Chargebacks
  • Fraud
  • Transaction volume
  • Recoverable revenue

All from one unified view.

Benchmark and Improve

Understand how your payment performance compares against similar merchants.

Identify opportunities to:

  • Increase acceptance rates
  • Recover revenue
  • Reduce payment costs
  • Improve customer experience

Built for Operators

The Free Plan includes one user account and is designed for operators managing payments, finance, or revenue operations.

For many merchants, that's all they need.

Who Is the Free Plan For?

The Free Plan is ideal for:

Ecommerce Brands

Gain visibility across Stripe, Adyen, PayPal and other payment providers without investing in enterprise infrastructure.

Subscription Businesses

Monitor payment performance, failed payments and revenue recovery opportunities.

Marketplaces

Centralise payment data from multiple processors and improve operational efficiency.

Finance Teams

Automate reconciliation and reduce manual workload.

Payment Leaders

Benchmark payment performance and identify optimisation opportunities.

Why We're Offering It For Free

Most merchants don't have a payment data problem.

They have an access problem.

The insights that improve approval rates, reduce payment costs and recover revenue shouldn't be reserved for the largest enterprises.

We believe every merchant should be able to access payment intelligence.

That's why our Free Plan includes enough capacity to support the vast majority of online businesses.

Because better payment decisions shouldn't require an enterprise budget.

Start Building Your Payments Intelligence Layer

Payment providers process transactions.

Unetix helps you understand them.

If you're currently exporting spreadsheets from multiple PSP dashboards or trying to understand payment performance across Stripe, Adyen and other providers, the Free Plan gives you everything you need to get started.

Connect up to 3 payment providers.

Analyse up to 100,000 transactions per month.

Access real payment intelligence.

And do it all for free.

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Free forever plan
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