Runtime vs Simetrik: AI Agents for Payment Reconciliation

Feature	Runtime	Simetrik
What it is	Agent harness for every payment team	Reconciliation and financial control platform
Reconciliation engine	Agents work your recon process	Purpose-built, deterministic core
Pre-built templates	You build from your SOPs	100+ financial control cases
Teams covered	Finance, payment ops, support, risk, more	Finance, accounting, treasury
Investigating the cause of a break	Across processor, ledger, tickets, portals	Exception analysis inside Simetrik
Runs in your cloud	Yes, or fully self-hosted	Vendor platform, no self-host published
Bring your own models	Any model, including open-weight	Not published
Works with your existing agents	Claude Code, Codex, OpenCode harnesses	MCP server and CLI
Pricing	Free, Teams from $99/seat/month	Not published

Simetrik and Runtime at a glance

Simetrik is a reconciliation and financial control platform. Its reconciliation engine matches transactions across counterparties, its Operations Center tracks exceptions, KPIs, and approvals, and more than 100 templates cover common counterparties such as Visa, Mastercard, central banks, and regional processors. In August 2026 it launched the Simetrik Agent, which configures and runs reconciliations and analyzes exceptions in natural language, backed by a deterministic core of more than 110 financial control functions. Simetrik reports more than 180 clients in over 50 countries, including Santander, BBVA, Nubank, and Mercado Pago. It is built for finance, accounting, and treasury teams.

Runtime is the AI agent harness for payment and fintech teams: one system for building and running many agents across the org. Anyone on payment ops, finance, risk, compliance, or support builds agents from their SOPs. Agents work on their own isolated computers in your cloud and reach your processor, ledger, bank portals, and help desk through APIs, databases, CLIs, MCP servers, and a browser. Runtime is for operators who want agents on every queue that touches a transaction, with finance as one of them.

Good products, different jobs. Simetrik is a vertical tool for one team. Runtime is a platform across teams.

How they differ

One team versus the whole transaction

Simetrik is opinionated about one job: financial control. Matching, templates, exceptions, and close all live in its model, and that focus is why it works at scale. Runtime starts from the fact that recon breaks rarely start in finance. A single stuck payment touches four teams: support gets the ticket, payment ops traces it, finance sees the recon break, and risk or compliance may review it. Each team investigates it separately in different tools. On Runtime it is one investigation with one record, and every resolved edge case adds to a shared memory the next agent can use.

Matching versus investigating

Simetrik's strength is deterministic matching over large volumes, with the agent analyzing exceptions inside the platform. Runtime agents do the work after the exception appears: pull the payment from the processor, read the bank file, check the ledger entry, find the related support ticket, log into a portal with no API, and draft the correcting entry. Booking that entry waits for a person to approve it in Slack, Teams, or the dashboard.

Where it runs and who holds the data

Simetrik is a vendor platform with SOC 1, SOC 2, ISO 27001, and PCI certifications; it does not publish a self-hosted option. Runtime runs agent computers in your AWS, GCP, or Azure account, or fully self-hosted with Helm, and lets you bring any model, including open-weight models in your cloud for PCI and PII work. Card numbers and SSNs are stripped from prompts and logs. Every run is recorded end to end, and the record your auditor or sponsor bank asks for stays with you.

Deterministic where it counts, on both sides

Both products agree that money work needs exact, repeatable steps. Simetrik provides that through its fixed library of control functions. On Runtime, an agent that has solved a process can turn it into a script that runs deterministically as a template, and the code lives in your repos so engineers own it if it becomes mission-critical.

Land and expand

Runtime usually starts like a vertical tool, on one team with one sharp use case, such as unmatched settlement items or payout breaks. The next team then builds on the same harness, the same guardrails, and the same memory, instead of buying another single-team tool.

Where Simetrik is stronger

Reconciliation engine. Purpose-built matching across billions of records, which Simetrik reports at 2.5 billion records a day.
Templates. More than 100 pre-configured control cases for card networks, banks, and processors shorten setup.
Connectors. Simetrik lists 5,500+ data sources and parsers that adapt to file format changes.
Accounting depth. ERP sync with SAP, Oracle, and NetSuite, plus journal entry configuration for close.
Agent built for finance. The Simetrik Agent already knows reconciliation, and it is reachable over MCP and a CLI.

Pricing

Simetrik: Pricing is not published; it is sold through sales.

Runtime: Free ($0, one session), Teams from $99 per seat per month, and Enterprise with custom pricing and self-hosting. The value case is usually the work of the analysts you were about to hire. Rain replaced $250k in vendor spend with Runtime.

Which should you choose

Choose Simetrik if

High-volume reconciliation and close are the main problem
Finance owns the project and wants templates and a matching engine
Your counterparties are well covered by Simetrik's templates and connectors
Other teams are not in scope for agents yet

Choose Runtime if

Recon breaks keep leading back to support tickets, payment ops traces, or risk holds
You want one platform for finance, payment ops, support, and risk
Agents need to run in your cloud with your models
Ledger entries and payouts must wait for a person to approve
You want a forward-deployed engineer to build the first agents with your team

Running both

Teams that already match with Simetrik can point a Runtime agent at its MCP server or CLI, pick up open exceptions, investigate the cause across the processor, ledger, and tickets, and hand finance a drafted fix with the evidence attached.

See Runtime on your busiest queue

Bring one SOP. A forward-deployed AI engineer builds the first agent with your team, inside your cloud.

Book a demo

Frequently asked questions

What is the Simetrik Agent?

Simetrik Agent, launched in August 2026, is an agent that runs financial control work in natural language: it configures reconciliations, runs them, and analyzes exceptions, using Simetrik's deterministic core of more than 110 financial control functions when results must be exact. It is available in Simetrik's web app and over MCP.

Can Runtime replace Simetrik for reconciliation?

For high-volume matching, usually not. Simetrik is a purpose-built reconciliation engine with templates for card networks and processors. Runtime agents are better at the investigation around a break, which often spans the processor, the ledger, bank files, and support tickets.

Can Runtime and Simetrik run together?

Yes. Simetrik offers an MCP server and a CLI, so a Runtime agent can query reconciliation results and exceptions, then investigate the cause across other systems and draft the fix for a person to approve.

Is Simetrik pricing public?

No. Simetrik does not publish pricing; it is sold through sales. Runtime publishes its tiers: Free for one session, Teams from $99 per seat per month, and custom Enterprise pricing with self-hosting.

Who uses Simetrik?

Finance, accounting, and treasury teams at banks, fintechs, and marketplaces. Simetrik lists Santander, BBVA, Nubank, Mercado Pago, and Rappi among its customers, and it raised its Series B to expand into the United States.