Financial Clearing & Settlement

TOMIA’s Financial Clearing and Settlement service provides mobile operators with an efficient and reliable wholesale settlement process.

Online Selfcare Portal

TOMIA’s Financial Clearing and Settlement (FCS) service guarantees transparency and traceability for all transactions for GSM roaming and interworking agreements. Users can take action and influence the settlement process without having to use separate support and service tickets or contacting TOMIA by email or phone – even though this option is always available. Using the tools in the Unity portal, customers can decide which transactions need to be paid and which transactions need to be withheld.

The service is offered as a managed service and all actions taken by TOMIA are transparent to the client, providing clarity on invoice and debt chasing as well as dispute resolution.

Advanced Clearing Engine

FCS allows operators to define specific rules to aggregate small invoice amounts until it reaches a configurable threshold to avoid unnecessary bank charges, apply netting across periods and group netting rules to have one settlement for several partners of the same group. Cross-cycle netting optimizes payments between carriers, balancing receipts and payments over time. Such simplification allows more control of their cash throughout the payment process.

The service fully supports group hierarchy. Information is aggregated at the group level or per individual affiliate with proper access rights. The service includes a unified database shared by TOMIA’s Data Clearing and Deal Analytics services, thus ensuring consistency and access to the full data.

TOMIA FCS is fully compliant with the GSM Association (GSMA) standards and data privacy regulation.

Key Benefits


Full Control

The online interface assures users the ability to follow, monitor and control the clearing and settlement process on a continuous basis and access the relevant reports via a clear, professional and user-friendly web interface.



The online interface provides a clear and actionable view of each stage of the clearing and settlement process, including easy approval or rejection of invoices, credits/debits notes, and approval or withholding of payments.


Transparency and Tracking

The service guarantees transparency for all transactions, including the Foreign Exchange (FX) rates applied by the bank. Logging and reporting of the discrepancies and deviations are part of the settlement process.


Advanced Analytics

Different levels of information are available to serve operational and business needs. Settlement info is combined with other datasets like Deal Analytics’ accruals report to provide accurate budget tracking.


Fast-Flow Settlement

Combined with the Deal Analytics service, the “fast-flow” process allows instant settlement when an IOT discount agreement is completed. This decreases exposure to liability or provisions for bad debts.



TOMIA is at the forefront of the evolution of the billing processes and charging models, incorporating the new Billing and Charging Evolution (BCE) settlement and Blockchain technology into the context of financial clearing.

Explore more products


Data Clearing Services

Efficient and reliable wholesale billing and exchange services to facilitate wholesale settlement.


Deal Analytics

Forecast, simulate and negotiate optimal Inter-Operator Tariffs (IOT) discount agreements.


Real-Time Antifraud

Prevents fraud in real-time both domestically and in roaming to minimize financial risk and reputational damage.

You are focused on the future of connectivity, let us help you simplify the complexity.