Payment Processing and Reconciliation Software for Real-Time Transactions

Run and control ACH, wire, card, and API payment workflows for resilient payment processing and reconciliation at scale.

How Control-M sets the standard for payment processing and reconciliation workflow orchestration software:

Control-M is a workflow orchestration platform that coordinates, monitors, and automates payment processing and reconciliation workflows in real time. It acts as the operational control layer, helping to ensure every step behind a payment executes correctly across fraud scoring, liquidity checks, posting, settlement, reconciliation, and compliance. Control-M differentiates itself by orchestrating the entire payment workflow as a single, end-to-end flow with real-time visibility.

Orchestrate Complex Payment Workflows

Control-M coordinates ACH, wire, card, and API-driven payments across schedules, dependencies, file arrivals, and cut-off times. By managing the entire flow from initiation through reconciliation in one view, teams can spot issues like missing files or late approvals before payments are delayed or rejected.

Ensure Real-Time Regulatory Compliance

Control-M monitors AML checks, sanctions screening, and regulatory reporting workflows in real time, alerting teams to exceptions and providing clear visibility into compliance status. With audit-ready logs and proactive alerts, teams can stay compliant without slowing payment operations.

Reduce Payment Failures and Operational Risk

Control-M validates payment files upfront, manages cross-system dependencies, and flags exceptions before they disrupt processing. With early error detection, automated reconciliation, and a single dashboard with proactive alerts, teams can reduce payment rejections and operational costs due to failures.

End-to-End Payment Workflow Automation

End-to-End Payment Workflow Automation

Control-M automates payment workflows by triggering and sequencing tasks based on time, events, file availability, and system readiness. It integrates with core banking platforms, payment gateways, and downstream posting and reconciliation systems to manage dependencies, retries, and handoffs—providing centralized control over workflow execution without embedding logic in each system.

Real-Time Compliance and Fraud Monitoring

Real-Time Compliance and Fraud Monitoring

Control-M runs anti-money laundering (AML) and sanctions checks by connecting to third-party regulatory sources, coordinates them across payment workflows, and sends tailored alerts when exceptions occur. All workflow events are captured in a centralized log for audit tracking, giving teams visibility into compliance status and enabling automated follow-up actions without embedding compliance logic into each system.

Proactive Workflow Monitoring and Recovery

Proactive Workflow Monitoring and Recovery

Control-M validates input files and monitors cross-system dependencies, automatically running reconciliation and error-handling tasks. When issues are detected, it triggers retries or conditional follow-up tasks to address discrepancies, helping to prevent errors from propagating downstream. Configurable alerts highlight exceptions in real time, and a single dashboard tracks workflow execution and task state, giving teams visibility and control over high-volume or time-sensitive payment workflows.

Control-M Integrations

From Snowflake to SAP, connect it all.

Control-M supports 100+ cloud, app, and data integrations, and keeps growing. Need something unique? Build your own with our Application Integrator tool.

Are your payments resilient to failures and delays?

Discover how Control-M helps detect issues early, orchestrate recovery, and maintain reliable, end-to-end payment workflows.

Strengthen payment processing and reconciliation workflows

Control-M FAQs for Payment Processing and Reconciliation













Trusted by teams that keep the world running.

Control-M
Sep 1, 2025
quote

Control-M provides agility and guarantee in the execution of processes. In my view, it is the company's most effective tool, processing all critical missions for clients. Any deviation, even if not due to Control-M, is capable of detecting it, making recovery much faster.

Jorge Suzano, Support Specialist at TIVIT

Information Technology & Services

201-500 employees

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Control-M and the Present and the Future
Aug 28, 2025
quote

Due to various integrations with different APIs, we have great possibilities for new products and solutions.

Rafael Modesto, Especialista Control-M at Cielo

Banking

1001-5000 employees

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My Control-M review
Aug 28, 2025
quote

A very effective tool for orchestration, routine automation, and extraction of compiled reports...

Erika Chamberlino, Analista at Bradesco Seguros

Banking

10,001+ employees

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Control-M
Aug 28, 2025
quote

Control-M is the best automation tool I've ever used on the market. Its versatility in connecting to many platforms helps with day-to-day work.

Verified Reviewer

Banking

5001-10,000 employees

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Control-M Review
Aug 28, 2025
quote

I use this tool daily and wouldn't consider using anything else.

Leonardo Bergamin, Estagiário em Analise de Produção at Bradesco S.A

Banking

10,001+ employees

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Control-M Production Support
Aug 21, 2025
quote

Simple to learn different functions in batch job scheduling and administrations. Efficiency in monitoring and trouble shooting.

Verified Reviewer

Business Supplies & Equipment

1001-5000 employees

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Control-M is awesome
Aug 16, 2025
quote

Control-M has demonstrated a positive ROI by enabling significant cost savings, improving service delivery speed and accuracy, and facilitating business expansion through automation and streamlined processes.

Verified Reviewer

Transportation/Trucking/Railroad

5001-10,000 employees

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Control-M Robert Mark Technologies
Aug 1, 2025
quote

I have used the product for over 20+ years. It is the best.

George Thorn, Control-M Consultant at Robert Mark Technologies

Information Technology & Services

11-50 employees

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Control-M: The Ultimate Tool for Workflow Management.
Jun 25, 2025
quote

Control-M stands out in the workload automation space for its robust orchestration capabilities, especially in complex, hybrid IT environmentsActiveBatch: Known for its rich integrations and intuitive workflow desig

Verified Reviewer

Banking

10,001+ employees

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Control-M Latest and Greatest
Jan 28, 2025
quote

Enhanced Control-M Automation API continues to evolve to give customers all the control and ownership they need to accelerate application delivery.

Verified Reviewer

Banking

10,001+ employees

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Grow UP with Business Automation - Control-M
Jan 22, 2025
quote

To automate the daily BAU tasks so that we can save many number of MAN hours, at the same time to transfer any data securely the MFT control module plays a crucial role.

Venkata Ramesh Nalapati, Control-M Administrator at SAB

Banking

5001-10,000 employees

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Control-M Automation at its best!
Jan 22, 2025
quote

Without the use of Control-M's automation our IT Department would be tasked with executing multiple scripts/tasks all day and night. That would NOT be efficient!

Jamie Adelglass, Manager Business Intelligence Systems at BBU INC

Consumer Goods

10,001+ employees

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The Control-M Review
Dec 17, 2024
quote

Very stable product and very good Support Org.

Verified Reviewer

Insurance

501-1000 employees

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Control-M workload automation has become an essential platform for our production activity
Nov 22, 2024
quote

With Control-M we are able to monitor major part of our critical batches. Our production is optimized and execution planning is shared with all stakeholders.

Verified Reviewer

Facilities Services

10,001+ employees

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The best for visibility
Nov 12, 2024
quote

We use Control-M to automate tasks on a schedule. This product has given us a central place to monitor jobs visually instead of going to each server to monitor Windows Scheduled tasks. This also lets non-admins run jobs as a self-service as well as be able to load balance tasks and Control-M servers.

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Utilities

501-1000 employees

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Happy with Control-M
Nov 12, 2024
quote

It’s well suited for what it’s designed for: workload automation. Honestly, it excels at this. Head and shoulders above other tools out there in my opinion.

Verified Reviewer

Utilities

1001-5000 employees

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Loving Control-M for 24 years and counting
Oct 16, 2024
quote

Loving Control-M for 24 years and counting

Verified Reviewer

Information Technology & Services

10,001+ employees

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Loving Control-M for 24 years and counting
Oct 16, 2024
quote

Cost Savings - by automating manual tasks we're able to reduce man-hours and be more accurate

Verified Reviewer

Information Technology & Services

10,001+ employees

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Excellent tool. Stable, resilient, user-friendly interface, but needs to evolve mainly in AI data analysis.
Oct 16, 2024
quote

Everything goes through Control-M. Today, we execute over 200,000 jobs in Control-M. Besides being impossible to execute this manually, Control-M prevents operational errors.

Verified Reviewer

Financial Services

1001-5000 employees

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BMC Control-M
Oct 16, 2024
quote

Control-M is used for job automation and coordination across many multiple applications and infra environments globally. This ensures dependencies are addressed, allows quick notification on failure and pinpoints where that failure is, and ensures jobs can be re-run when needed

Verified Reviewer

Entertainment

10,001+ employees

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BMC Control-M
Oct 16, 2024
quote

Allowed single automation platform rather than multiple team dependent or location dependent tools

Verified Reviewer

Entertainment

10,001+ employees

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Control-M is the BEST!
Oct 16, 2024
quote

I have worked with other job schedulers and Control-M had led the market since its introduction. The user-friendly GUI not only provides ease of use for the users, but also for the support teams.

Verified Reviewer

Insurance

501-1000 employees

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My Review of Control-M
Oct 16, 2024
quote

Control-M by far is the leader in this industry. The ease of use of the product and the ability to get others up to speed on using the product because of this is great.

Verified Reviewer

Hospitality

10,001+ employees

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Control-M Review
Oct 16, 2024
quote

Previously we used to run our workload in CA workload automation but it was not implemented right, then we decided to have a more robust tool with a good partner for implementation.

Rafael Ferreira da Silva, Solution Architect at Banpara

Banking

1001-5000 employees

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Control-M is still the future!
Oct 16, 2024
quote

Control-M is still the future!

Verified Reviewer

Information Technology & Services

51-200 employees

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Review of Control-M in DSP
Sep 27, 2024
quote

Control-M has given us the benefit of working with external agencies through its managed file transfer system. This has enabled us to work beyond our previous scope of work and brought the ability to bring us to the next level.

Pat Byrne, Higher Executive Officer at Dept Social Protection

Government Administration

5001-10,000 employees

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Best workload automation tool on the market.
Sep 19, 2024
quote

I started working with Control-M in 1996, and even though I stepped away from it for 10 years, I have seen continuous improvements. While checking the market for alternatives to Control-M, I have seen that there is nothing comparable.

Verified Reviewer

Furniture

10,001+ employees

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Bank run on Control-M
Aug 14, 2024
quote

Control-M has excellent features to integrate with other applications via Control Modules.

Verified Reviewer

Banking

10,001+ employees

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Analyst Report

See why BMC is named a Leader in Orchestration and Automation

2025 Magic Quadrant™ for Service Orchestration and Automation Platforms

What Is automated payment reconciliation?

Automated payment reconciliation is the process of using software to quickly match incoming and outgoing payments with invoices, bank statements, and accounting records to reduce manual effort, catch mistakes early, and give finance teams a clear, real-time view of all transactions. With Control-M, these reconciliation processes can be automated across multiple systems and payment channels, helping to ensure every payment is processed correctly and on schedule.

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