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SettleFlow
Sector 10, Noida, Uttar Pradesh, India
What it is
SettleFlow is a web service for Indian sellers, agencies, and CA firms that reconciles payment gateway, marketplace, bank, and accounting data to find settlement and fee differences. It recalculates fees against the applicable rate card and can flag commission variances, shipping or weight errors, duplicate deductions, and unsettled orders. Its GST checks tie settlement data to GSTR-1 and GSTR-3B and check marketplace TCS reported in GSTR-8.
Users can upload settlement, order, and returns reports as CSV or Excel, or use scoped read-only API access where available. Listed sources include payment providers, marketplaces, accounting tools, databases, bank statements, and the GST portal. Findings can include claim deadlines, filing routes, and required evidence, with tracking for claims and recoveries. Reports can be downloaded as CSV, and each reconciliation run creates a workbook with summary and order-level detail. Workspaces support owner, admin, analyst, and read-only roles, multiple entities, and client management for agencies and CA firms. A free diagnostic covers one source and 90 days of data. Paid plans start at ₹9,999/mo; monthly row allowances count transactions across all sources, and backlog recovery is quoted separately.
For and against
For
- Checks fees against the applicable rate card
- Ties settlement data to GSTR-1 and GSTR-3B
- Offers CSV or Excel uploads and scoped read-only API access
- Tracks claim deadlines, filing routes, and recoveries
- Workspaces include four access roles
Against
- Monthly row allowances count transactions across every source
- Backlog recovery is quoted separately
- Automatic retrieval requires scoped read-only API keys where available
The verdict
SettleFlow combines settlement checks, GST reconciliation, and claim tracking with reports and team workspaces. The free diagnostic covers one source over 90 days; paid plans begin at ₹9,999/mo, with row limits to consider across connected sources.
Who it suits
SettleFlow is aimed at Indian sellers who need settlement, fee, or GST reconciliation, and at agencies or CA firms managing client workspaces. It may also suit teams that need claim tracking and an audit trail for reconciliation activity.
Plans and prices
Free Diagnostic
1 source · 90 days of data · full leakage report · order-level detail
Read 15 Oct 2026 · settleflow.in
Starter
250,000 rows/month · 1 entity · 2 users · auto-fetch
Read 15 Oct 2026 · settleflow.in
Growth
1,000,000 rows/month · 1 entity · 3 users · auto-fetch on 3 accounts
Read 15 Oct 2026 · settleflow.in
Scale
3,500,000 rows/month · 2 entities · 5 users · auto-fetch on 6 accounts
Read 15 Oct 2026 · settleflow.in
CA firms, agencies & custom
5,000,000 rows/month · multiple client entities · 10 users · white-label
Read 15 Oct 2026 · settleflow.in
On the record
- Accounting reconciliation
- It compares recorded revenue and fees with settled revenue and supports GST tie-outs involving GSTR-1, GSTR-3B and GSTR-8.settleflow.in · read 15 Oct 2026
- API access
- Direct connections use scoped read-only API keys that customers create and can revoke.settleflow.in · read 15 Oct 2026
- Audit trail
- Logins, uploads, reconciliation runs, rule changes, exports and claim actions are recorded with user and timestamp.settleflow.in · read 15 Oct 2026
- Authentication
- Sign-in uses a one-time code sent to a work email instead of a password.settleflow.in · read 15 Oct 2026
- Automated mapping
- Uploaded CSV or Excel columns are matched automatically and the confirmed format is reused on later files.settleflow.in · read 15 Oct 2026
- Automation capabilities
- A LinkedIn post describes automated journal entries, Zoho Books and ERP integration, real-time MIS dashboards, Power BI and Tableau reporting, and Python automation.linkedin.com · read 15 Oct 2026
- Claim tracking
- Users can manage exception queues, record claims and recoveries, and track filing windows and evidence requirements.settleflow.in · read 15 Oct 2026
- Commerce integration
- Shopify or other D2C order data can be reconciled.settleflow.in · read 15 Oct 2026
- Company positioning
- The LinkedIn company page says it serves D2C brands, marketplace sellers and finance teams with reconciliation and audit-ready reporting.in.linkedin.com · read 15 Oct 2026
- Company profile
- LinkedIn describes SettleFlow as a privately held financial-services company with 2–10 employees in Noida and a 2023 founding year.in.linkedin.com · read 15 Oct 2026
- Credential handling
- Optional API credentials are encrypted before storage and are not written to logs.settleflow.in · read 15 Oct 2026
- Database connectivity
- The product supports read-only PostgreSQL and MySQL connections, scheduled exports or CSV uploads.settleflow.in · read 15 Oct 2026
- Data deletion
- The maker says a workspace and its data can be deleted in full on request.settleflow.in · read 15 Oct 2026
- Data input
- Users can upload settlement, order and returns reports as CSV or Excel, or use scoped read-only API access where available.settleflow.in · read 8 Oct 2026
- Data use and deletion
- The company says it does not sell, share, pool, benchmark or train on customers’ figures, and will delete a workspace and its data on request.settleflow.in · read 8 Oct 2026
- Documentation
- The public site provides feature, FAQ, pricing, privacy and terms pages but no separate public developer documentation was identified.settleflow.in · read 15 Oct 2026
- ERP integrations
- The listed accounting systems are Zoho Books, Tally and QuickBooks.settleflow.in · read 15 Oct 2026
- Exception checks
- The workflow runs sixteen checks against the applicable rate card and assigns an expiry date to each finding.settleflow.in · read 15 Oct 2026
