One reconciliation report every morningPOS × Acquirer × Bank matched automatically
Pushed to WhatsApp. Synced to Xero / QuickBooks. On your phone before 9 AM.
Reconciliation isn't accounting work —it steals 2.5 hours every night
One more acquirer means one more spreadsheet. KPay, HSBC, Hang Seng, Octopus — each portal has its own format, its own cut-off.
Reconciliation remains the most cited pain point, with complexity increasing as merchants adopt multiple payment service providers.
HK SMEs spend an average 2,298 hours per year on dated financial operations — equivalent to HK$160,000 in annual operating cost per outlet.
83% of HK merchants would pay a premium for same-day (T+0) settlement, reflecting cash flow pressure in multi-acquirer environments.
A day with Axiom Tech looks like this
A complete reconciliation report on your phone before 9 AM
Pushed to WhatsApp. POS × Acquirer × Bank reconciled three-way. Anomalies flagged automatically.
Design target: reconciliation time from 2.5 hours down to a 5-minute review.
Your accountant keeps their workflow. You skip the explanation.
Outputs sync directly to Xero / QuickBooks, HKFRS-aligned.
Your accountant gets the same Xero entry they always do — minus the chasing.
Take all seven days off — even over Lunar New Year
Daily auto-reconciliation runs through holidays. Backlog clears itself.
When you open your laptop on day one back, the books are already balanced.
Why HK SME owners trust Axiom to run their reconciliation
Bank-Agnostic · One Axiom reconciles every bank
Works with HSBC, Hang Seng, DBS, BOC HK + 8 acquirers. Unlike KPay / Yedpay which only reconcile their own rails, Axiom matches across every provider you use.
ISO 27001 + PCI DSS on the roadmap
Banking credentials never touch our servers. Read-only access, encrypted at rest, aligned with HKMA guidelines.
Your accountant keeps their workflow
Outputs sync directly to Xero / QuickBooks, HKFRS-aligned. Your accountant keeps their workflow — they just get a clean report every morning.
Built by an HK fintech operator
10 years across KuCoin Pay, American Express, QFPay, Global Payments merchant business · drove HK$ 42M annual revenue in 2021.
Three steps, set up in half an hour
Connect — your POS, acquirer, and bank
Pick the systems you use and connect them step by step. Read-only credentials. Nothing writes through our servers.
Sync — we auto-pull data daily and match three-way
We've already built 21 connectors. Your acquirer is most likely live on day one.
Get Report — daily WhatsApp report + auto-push to Xero
On your phone before 9 AM. Your accountant gets the Xero entry in parallel. You only review the 5 anomaly lines.
Transparent pricing — three tiers, pick your size
- Unlimited acquirers
- Anomaly auto-alerts
- Multi-outlet dashboard
- API access
- SLA guarantee
- Dedicated customer success
Not sure yet? WhatsApp Franco directly for a free demo.
Who builds this tool?
Franco spent over a decade in Hong Kong’s payments industry — KuCoin Pay, American Express, QFPay, Global Payments, all on the merchant side. The Global Payments years cut the deepest. Six out of ten support calls were reconciliation: “the bank amount doesn’t match”, “the acquirer report and the POS don’t agree”. One mismatch and the owner had to drop everything to chase it, sometimes for a week. He watched HK small-business owners — people who should be running their shops — spend their nights wrestling with Excel instead. Hong Kong’s small operators already work hard enough — Franco didn’t want to keep watching them lose sleep over a single broken reconciliation.
The deepest realization from a decade in the industry: most HK business owners — from cha chaan tengs to boutique retailers — are suffocating under back-office reconciliation. Money received but not matched. Money owed and untracked. End-of-month weekends spent rebuilding the books with an accountant. Franco knew this wasn’t a technology limit — it’s just that nobody had deliberately built tools for Hong Kong’s small operators.
So in 2026 he started Axiom Tech — a morning reconciliation co-pilot purpose-built for the Hong Kong ecosystem, matching POS × Acquirer × Bank in one pass. The goal is simple: let HK owners sleep soundly.