Data Exchange

Consume the Harmonize system of record with your internal AI and BI tools

Harmonize is the continuously updated source of truth for payments results. Data Exchange delivers that same consolidated, structured, and governed payments data directly into your environment—so your teams can reconcile, report, and build with confidence.

Not payment processing. Not authorization decisioning. Harmonize analyzes outcomes across your providers and channels and makes them visible, explainable, and actionable.

Harmonize is the platform: a unified, enriched system of record for payments results. Analytics and Data Exchange are two channels for consuming the same source of truth. It is the right delivery channel when customers want to use enterprise LLMs or AI tools like Claude, ChatGPT, and Gemini for bespoke analysis against governed payments context instead of raw processor files.

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Explore Harmonize Analytics

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Payment volume isn’t the problem—data reliability is.

As payment stacks grow more complex, reconciliation becomes harder to maintain, harder to scale, and harder to trust. Small inconsistencies break downstream workflows and create constant firefighting.

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Each PSP and bank delivers data in different formats, schemas, and timelines.

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Minor inconsistencies (missing decimals, date mismatches, formatting errors) break pipelines and reports.

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Internal systems can’t reliably match processor or bank reports without heavy manual effort.

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Accounting teams struggle to reconcile timing and amounts during close and audits.

Data Exchange gives Finance, Payments Ops, and Data teams a durable foundation: standardized payments data delivered into their systems—without fragile, one-off processes. It also gives AI teams a durable foundation, because LLMs are only as useful as the payments context behind them.

A delivery channel for Harmonize—not a separate platform for BI, internal systems, and AI

Data Exchange is one way to consume the Harmonize system of record (alongside Harmonize Analytics). It delivers the same standardized, enriched payments data that powers Harmonize dashboards — directly into your BI tools, internal systems, and data platforms.

If you want dashboards and executive storytelling, use Harmonize Analytics. If you want Harmonize datasets delivered into your environment for reconciliation and internal reporting, use Data Exchange. If you want governed payments data for customer-run AI and LLM workflows, lead with Data Exchange.

Built for the realities of payments data

Secure ingestion from client-authorized PSPs, processors, and banks.

AI-driven classifications and enrichment applied to every transaction before delivery.

Daily standardization and normalization across formats and sources.

Enrichment aligned to payment industry standards and Harmonize logic.

Outbound delivery of agreed-upon datasets to your BI and internal systems including environments where customers run enterprise AI analysis.

Monitoring and alerting to reduce manual troubleshooting.

Standard delivery methods—designed to scale

Data Exchange is delivered through standardized methods so implementations are repeatable and supportable.

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Snowflake Data Share (for customers who want direct access in Snowflake, including reader accounts when needed).

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Structured SFTP file exports (for customers who prefer file delivery into internal systems).

APIs and real-time streaming are not part of v1 and will be evaluated as the product matures. V1 is intentionally centered on standardized, supportable delivery for BI and AI use cases rather than custom sprawl.

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Consolidated and enriched data built for payments operations

Structured, normalized, and enriched transaction/event-level datasets designed for operational deep dives and modeling. Best for enterprises with mature BI/data teams who want full control over KPI logic.

Expert Support That Improves Confidence, Not Dependency

As part of Data Exchange, clients have access to payments and data subject-matter experts to support validation, clarify data structures, and help interpret anomalies or variances. That support is especially valuable when teams are standing up AI workflows and need confidence in the underlying definitions, fields, and metric logic.

Authorizations

Sales

Fees

Disputes

Built for reconciliation, reporting, and internal analytics

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Reconciliation that scales: align transaction- and batch-level data to accounting workflows and audit requirements.

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Enterprise reporting: use Harmonize datasets as a governed foundation across teams and tools.

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Dispute workflows: connect dispute outcomes to internal processes and reporting.

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Internal analytics: build models and dashboards with consistent, standardized payment data.

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Enterprise AI analysis: Optimize token usage and fees by giving LLMs and AI tools like Claude, ChatGPT, and Gemini trusted payments context for bespoke questions, investigations, and executive-ready narratives.

Broad connectivity, enterprise-ready delivery

We integrate with 30+ processors and can connect via API- and SFTP-based sources. Delivery is standardized for reliability.

Trusted by hundreds of enterprise merchants and payment facilitators.

See Proof

One source of truth.
Delivered to your systems.

Harmonize Data Exchange delivers the Harmonize system of record into your BI and internal platforms—so teams stop firefighting and start operating with confidence and into the AI workflows built on top of them.