Bank vs ledger
Every bank line matched to the entry in your books, with missing and extra items flagged on both sides.
Reconciliation software that matches every transaction
Drop a bank statement and your invoices or payout export. Reconciles matches them, explains each difference and gives you a short exceptions queue.
Bank statement
CSV, XLSX, OFX, QFX, MT940 or CAMT.053
Invoices, ledger or payout export
Open invoices, a ledger export, or a payout file from a processor or marketplace
Date tolerance
Amount tolerance
Your files are processed in your browser and never stored. No card needed.
One engine for every reconciliation your team runs
Six kinds of matching, at month end and every day in between.
Processor payouts
Batched payouts split back into the charges, refunds and fees behind them, then matched to the bank deposit.
Invoices and bills
Incoming payments matched to open invoices, including partial payments and one payment covering several invoices.
Marketplace settlements
Settlement reports broken down into orders, fees, refunds and reserves, then tied to what actually reached the bank.
Intercompany
Balances between your entities compared side by side, with each mismatch explained before consolidation.
Credit cards
Corporate card statements matched to receipts and expense entries, with unmatched charges sent to the queue.
How automated reconciliation works in four steps
The progress screen you see in the demo is the real engine at work. Here is what it does with your files.
-
01 Parse
Reconciles reads bank statements, invoice lists, ledger exports and payout reports. It finds the date, amount, payee and reference columns and tells you how many lines it read from each file.
-
02 Normalize
Dates, signs, currencies and payee names are brought to one format. A debit of 1,240.00 on one side and a payment of -1240 on the other count as the same amount.
-
03 Match
Exact matches come first. Then Reconciles tries one to many and many to one groups, amounts within your tolerance, date windows, references and fuzzy payee names. Fees and currency conversion are factored in.
-
04 Exceptions
Whatever does not match goes to a short queue sorted by type: unmatched, partial, duplicate, amount difference and date difference. Each item says why it was not matched.
Every match carries a plain-language reason and a confidence score, so your accountant reviews the decision instead of redoing the work. Nothing is posted to your ledger without review.
Month end close in three days
Reconciliation is the step that stalls the close. This is how the first three days look with Reconciles.
-
Day 1
Statements and payout reports come in. Reconciles parses every account, matches the bulk of transactions and opens the exceptions queue before lunch.
-
Day 2
Your team works the queue, not the spreadsheet. Exceptions are assigned, commented and resolved, and new matching rules are saved for next month.
-
Day 3
The controller reviews match rates per account, exports the reconciliation report and the journal entries, and signs off on the close.
Your monthly cost of manual matching
$2,200
What manual reconciliation costs you
Enter your own numbers. No benchmarks, only your math.
Plan that covers your volume
Growth
Hours you get back for review and analysis
40
Risks you stop carrying
- Duplicate payments that slip through because nobody compares both sides line by line.
- Cash differences nobody can explain at audit time.
- Payout fees and refunds booked as revenue instead of costs.
- A close that depends on one person and one spreadsheet.
Security built for finance data
- Encryption in transit and at rest.
- Demo files processed in your browser, never stored.
- Retention settings for paid workspaces.
- Data processing agreement on every plan.
- Roles and permissions, SSO (SAML) on Scale.
Works with your accounting system and payment stack
Upload exports from any of these sources, or connect them on your plan. Journal entries go back in the format your ledger expects.
Reconciliation software pricing with no sales call
Three self-serve plans. Pay yearly and save 50%.
Starter
For a small finance team running one company.
$74 per month, billed yearly ($888)
$149 per month, billed monthly
- 3 bank and payment accounts
- 3,000 transactions matched per month
- 1 entity, 3 seats
- 300 AI match suggestions per month
- Bank, invoices and 1 processor
- 20 matching rules
- Exceptions queue
- XLSX and CSV exports
- Encryption and DPA
Growth
For ecommerce teams, multi-processor businesses and accounting firms.
$199 per month, billed yearly ($2,388)
$399 per month, billed monthly
- 15 bank and payment accounts
- 20,000 transactions matched per month
- 5 entities, 10 seats
- 2,000 AI match suggestions per month
- All processors and marketplaces
- Unlimited matching rules
- Exceptions queue with assignment and comments
- Journal entries for QuickBooks and Xero
- Roles and permissions
Scale
For multi-entity companies, mid-market finance teams and platforms.
$499 per month, billed yearly ($5,988)
$999 per month, billed monthly
- 60 bank and payment accounts
- 100,000 transactions matched per month
- 25 entities, 40 seats
- 10,000 AI match suggestions per month
- All sources, plus API and SFTP drop
- Approvals and audit log
- NetSuite journal entries and scheduled exports
- SSO (SAML), SCIM and priority support with a named contact
- Data residency in the US or the EU
Questions finance teams ask about reconciliation software
Bank statements in CSV, XLSX, OFX, QFX, MT940 and CAMT.053, plus PDF statements after you create an account. For the second file, invoice and bill exports in CSV or XLSX, ledger exports from QuickBooks Online, Xero, NetSuite and Sage, and payout reports from Stripe, PayPal, Adyen, Shopify Payments and Amazon.
Every match shows the rule behind it, such as amount and reference, or payout batch net of fees, and a confidence score. Unclear pairs are suggested, never forced, and nothing reaches your ledger until someone on your team reviews it.
Files are encrypted in transit and at rest. In the demo your files are processed in your browser and never stored on our servers. Paid workspaces have their own retention settings, and every plan includes a data processing agreement.
No. Your ledger stays where it is. Reconciles does the matching your accounting software struggles with and sends journal entries and reports back to it.
There is no implementation project. You upload two files and see matches in minutes, then connect sources and save rules at your own pace. Every integration page has a step by step guide.
Yes. Amounts are normalized per currency, conversion differences are flagged separately, and processor fees are recognized inside batched payouts so the net deposit matches the gross charges.
From the billing page in your account, any time. Your plan stays active until the end of the period you paid for.
Reconcile your first month
Upload a bank statement and a second file. You see the first matches before you create an account.