Actuals - 2026 Pricing, Features, Reviews & Alternatives

Actuals is a transaction reconciliation and financial infrastructure platform designed for high volume digital companies that process tens of thousands to millions of financial events daily. The platform functions as a sub-ledger accounting system that operates between operational systems and enterprise resource planning software to establish financial truth before data enters the general ledger. It addresses the limitation of traditional accounting systems that record numbers without validating accuracy as business scale increases.

The platform normalizes transaction data across payment service providers, banking systems and marketplace platforms to create a unified data structure from disparate sources. It performs full transaction reconciliation by matching order databases and transaction logs with payment, settlement and accounting records to maintain a comprehensive audit trail for each financial event. The system computes buyer and seller balances at the individual event level and applies period logic, revenue recognition rules and tax calculations upstream in the data flow to prevent complex computations from overloading downstream systems.

Actuals integrates with multiple third party systems across the financial technology stack including payment processors, settlement platforms and ERP applications. The platform draws raw transaction data where events originate and captures each stage of the transaction lifecycle including initial payments, refunds, fees, chargebacks and final settlements. It delivers reconciled and auditable journal entries in formats that align with connected accounting software.

The architecture is designed to support the data volume and complexity of enterprises processing millions of financial events, providing scalable performance as transaction volumes grow without increasing manual workload. The system ensures that only validated and reconciled data enters the general ledger, allowing enterprise resource planning software to record trusted figures and maintain operational reliability at scale.