PrismaLucid matches transactions across your bank feeds, payment processors, and books automatically, then turns the result into spend analysis and reports your finance team can trust — built for agencies, e-commerce, and SaaS companies.
Every payout, chargeback, and processor fee has to be matched against the books by hand. Finance teams at growing agencies and e-commerce companies lose days each month just closing the gap between what the bank shows and what the ledger says.
PrismaLucid ingests your bank, processor, and accounting data, matches transactions automatically, and flags the exceptions that actually need a human — instead of asking your team to check every line.
Spending patterns, category breakdowns, and month-end reports are generated from the same reconciled data — so what you report upward is already tied out.
Four connected capabilities, built around how B2B finance teams actually close their books.
PrismaLucid matches transactions across bank feeds, card processors, and accounting platforms using amount, timing, and counterparty signals, then routes anything it can't confidently match to a review queue.
See spending broken down by vendor, category, and department, with trends over time — so you can spot a subscription creeping up or a vendor charging out of pattern before it shows up in the P&L.
Generate P&L, cash flow, and custom department reports directly from reconciled data, exportable or scheduled to land in your team's inbox before the monthly close meeting.
Connect the accounting, banking, and payment tools you already use. PrismaLucid keeps data flowing in both directions, so nothing needs to be re-entered by hand.
Every account we support follows the same path, whether it's a payment processor payout or a wire from a client.
Link your accounting platform, bank accounts, and payment processors. Read access only — PrismaLucid never initiates payments.
Transactions are compared and matched automatically. Anything ambiguous is queued for a quick human decision, with the reasoning shown alongside it.
Reconciled data feeds directly into spend analysis and reporting, so the numbers your team shares upward already tie out.
Different B2B businesses reconcile differently. PrismaLucid is tuned for three in particular.
Reconcile ad-platform spend, client retainers, and pass-through media costs without losing track of which client owns which charge.
Match payouts from multiple payment processors and marketplaces against orders, refunds, and fees — even when settlement timing doesn't line up with the order date.
Reconcile subscription billing, usage-based charges, and revenue recognition schedules against what actually lands in the bank.
Bring a recent bank statement and your books — we'll walk through a live match on a call.
PrismaLucid is built around four connected capabilities. Each one works on its own, but the value compounds when they run together on the same reconciled data.
PrismaLucid pulls transactions from your connected bank accounts, card processors, and payment platforms, then compares them against entries in your accounting system using amount, date proximity, and counterparty details.
Matches that meet a high confidence threshold are closed automatically. Everything else — partial payments, batched payouts, timing mismatches — is routed to a review queue with the matching logic shown, so your team can confirm or correct in a few clicks instead of starting from scratch.
| Category | This month | Trend |
|---|---|---|
| Ad platforms | $18,240 | +6% |
| Software & tools | $4,110 | flat |
| Contractors | $9,760 | −3% |
| Payment processing fees | $1,205 | flat |
Once transactions are reconciled, PrismaLucid organizes them by vendor, category, and department automatically, and tracks how each one moves month over month.
It's built to make outliers visible: a vendor charging outside its usual pattern, a category creeping up faster than revenue, a subscription nobody remembers approving.
Generate profit and loss statements, cash flow summaries, and custom department reports directly from reconciled data — not from a separate export that has to be double-checked against the books.
Schedule reports to land in your inbox before your monthly close meeting, or pull them on demand when a board member asks a question mid-conversation.
| Line | Actual |
|---|---|
| Revenue | $142,300 |
| Cost of service | $38,900 |
| Operating expense | $61,420 |
| Net | $41,980 |
Generated from 100% reconciled transactions.
PrismaLucid reads from your accounting platform, banks, and payment processors, and keeps everything in sync without manual re-entry.
Two-way sync with general ledger accounts, so matched transactions and categories stay consistent with the books your accountant already trusts.
Secure, read-only connections to business bank accounts through a bank-data aggregator. PrismaLucid never has the ability to move money.
Pull payouts, fees, and refunds from the processors and marketplaces your business already collects payments through.
Don't see a platform you use? Tell us and we'll prioritize it.
A working demo, using a real bank statement and your current books.
Reconciliation looks different depending on your business model. PrismaLucid is tuned for three B2B models in particular — jump to yours below.
Agencies juggle retainers, project fees, and media spend that runs through the agency's own accounts on behalf of clients. It's easy for a Facebook Ads charge to get logged against the wrong client, or for a retainer payment to land days after the invoice date and throw off the books.
PrismaLucid matches ad-platform charges and client payments against the right invoices and the right client codes, so pass-through costs don't get mixed up with agency revenue.
An agency running paid media for a dozen clients connects its ad accounts and operating bank account. PrismaLucid tags each platform charge to the client it belongs to and flags any spend that doesn't match a signed budget — before it shows up on the client's invoice.
A brand selling through its own site and two marketplaces connects each payout source. PrismaLucid matches batched payouts against the individual orders, refunds, and fees that make them up, even when a payout arrives four days after the order date.
E-commerce finance teams reconcile against multiple payment processors and marketplaces at once, each with its own payout schedule and fee structure. A single payout can bundle dozens of orders, partial refunds, and processing fees into one lump sum that doesn't obviously match anything in the order system.
PrismaLucid breaks payouts back down into their components and matches them against orders and refunds automatically, so gross-to-net differences stop being a mystery at month-end.
Subscription businesses reconcile recurring charges, usage-based billing, upgrades, downgrades, and dunning retries against a bank balance that rarely lines up with any single invoice. Revenue recognition schedules add another layer that's easy to lose track of when reconciliation is done by hand.
PrismaLucid matches billing platform payouts against subscription and usage records, and keeps spend analysis and reporting aligned with how revenue is actually recognized.
A SaaS company on monthly and annual plans connects its billing platform and bank account. PrismaLucid matches each payout against the subscriptions it represents, and flags failed-payment retries that need a follow-up before they turn into churn.
Tell us how you invoice and get paid — we'll show you how reconciliation would work for your setup.
PrismaLucid is an independent company with a focused mission: reconciliation shouldn't require a spreadsheet and a Saturday.
Most financial software tries to be everything at once. We started narrower: get the matching between bank feeds and books right, first, for businesses whose transaction volume and billing complexity make that genuinely hard — agencies passing through media spend, e-commerce brands settling through multiple processors, and SaaS companies mixing subscriptions with usage billing.
Reconciliation is the least glamorous part of finance and the most load-bearing. Get it wrong and every report built on top of it is wrong too. So that's where we put the work first, before analytics, before reporting, before anything else.
PrismaLucid is based in Tulare, California, and we work directly with finance and operations teams to shape the product around real reconciliation workflows. That means closer support and faster changes than you'll typically get from a larger vendor.
When you tell us something doesn't work, you're talking to the team that builds it — not a support queue.
PrismaLucid connects to your bank and accounting data to read and reconcile it. We don't initiate payments or move money — that stays with the tools you already use.
Every automatic match comes with a visible explanation of why it matched, so your team can trust it without treating it as a black box.
We're shaping the product alongside the finance teams using it, not guessing at what a market wants in the abstract.
We work closely with finance teams in agencies, e-commerce, and SaaS to refine how PrismaLucid handles their reconciliation.
Practical explainers for finance and operations teams on reconciliation, spend, and reporting.
A working definition of transaction reconciliation, and why "the totals match" isn't the same as "it's reconciled."
Where most of the time in a manual close actually goes, and which parts are realistic to automate first.
How to break a single lump-sum payout from a processor back down into the orders, fees, and refunds inside it.
It's common to hear a book is "reconciled" once the ending balance in the accounting system matches the bank statement. That's a necessary check, but it's a weaker claim than it sounds.
Two numbers can match by coincidence — an unrecorded deposit offsetting an unrecorded fee, for instance — while the underlying transactions are still a mess. Real reconciliation means every individual transaction on one side has a corresponding, verified entry on the other, not just that the totals happen to agree at month-end.
That distinction matters because the individual matches are what your spend analysis and reports are actually built from. A balance that matches by luck still leaves your category breakdowns wrong.
Most of the time in a manual close doesn't go toward analysis — it goes toward tracking down the handful of transactions that don't obviously match anything.
A close usually has three phases: gathering data from every source, matching the bulk of routine transactions, and chasing the exceptions. The first two are mechanical and automatable. The third genuinely needs a person, but it's a much smaller task once it's not buried inside the first two.
The practical order to automate in is: connect and normalize data first, automate the routine matches second, and leave the exception review as a short, focused task at the end — not something spread across the whole close.
A single payout from a payment processor is rarely one transaction — it's usually a bundle of dozens of orders, a handful of refunds, and a processing fee, settled days after the activity happened.
To reconcile a batched payout correctly, you need the processor's settlement report broken down to the line-item level, not just the total. From there, each order and refund inside the payout gets matched individually against the order system, and the fee gets recorded as its own line rather than folded into revenue.
Done by hand, this is the single most time-consuming part of e-commerce reconciliation — which is exactly why it's the first thing we automated for e-commerce accounts.
See how PrismaLucid applies this to your own bank feed and books.
Tell us a bit about your business and how you currently reconcile. We'll follow up to schedule a walkthrough tailored to your setup.
PrismaLucid, Inc.
900 W Pleasant Ave
Tulare, CA 93274