Account reconciliation software that shows why each match ties out
Upload your bank, card and ledger exports as CSV, or connect Mercury, Brex, Stripe, PayPal, Square, QuickBooks, Xero or NetSuite read-only. Reconciler matches transactions, flags what does not add up, and explains every match. It never moves money.
↔ Tie-out board, bank statement against ledger
Open difference -$114.40, 2 lines flagged
| Date | Source | Reference | Bank | Ledger | Difference | Tie-out | Status |
|---|---|---|---|---|---|---|---|
| Processor payout | 3,200.00 | 3,200.00 | 0.00 | Matched | |||
| Card settlement | 1,180.00 | 1,198.40 | -18.40 | Fee not booked | |||
| ACH deposit | 440.00 | 440.00 | 0.00 | Matched | |||
| Square batch | 2,615.75 | 2,615.75 | 0.00 | Matched | |||
| Ledger entry | 0.00 | 96.00 | -96.00 | Duplicate | |||
| Wire in | 12,500.00 | 12,500.00 | 0.00 | Matched | |||
| Refund | 240.00 | 240.00 | 0.00 | Matched |
Every matched line carries a plain-English reason. Flagged lines wait for one click.
Drive the board yourselfConnects both sides
What it does
Match transactions, flag discrepancies, close the month, keep the audit trail
| No. | Category | What it does | Link |
|---|---|---|---|
| 01 | Matching, both sides Transaction matching | Reconciler pairs each deposit, payout, and fee with the ledger entry it belongs to using amount, date, memo, and processor reference. When a $3,200.00 deposit ties to invoice 1043, you see exactly why it matched instead of ticking rows by hand. | Learn more |
| 02 | Upload or connect, read-only Bank feed connect | Reconciler puts your bank, payment processor, and ledger data side by side so both sides of every transaction land in one place. Upload a CSV statement from any bank, or connect Mercury, Brex, Stripe, PayPal, or Square and your QuickBooks Online, Xero, or NetSuite ledger read-only, then let the matching begin. | Learn more |
| 03 | Detection, exceptions Discrepancy detection | Reconciler surfaces the transactions that do not tie out, a duplicate ledger entry, an unrecorded vendor bill, a Stripe processing fee never booked, or a deposit that arrived at $3,180.00 instead of $3,200.00. You see the exceptions, not thousands of matched rows. | Learn more |
| 04 | Close, to zero Month-end close | Reconciler gives you a close workspace that shows the running difference between your bank, processors, and ledger and shrinks it as you clear exceptions. When the number hits $0.00, both sides are tied out and you are ready to close. | Learn more |
| 05 | Audit, explainable Audit trail | Reconciler keeps an explainable record of every match, flag, and approval, who reviewed it and why it tied out. When an auditor asks how the $3,200.00 deposit on invoice 1043 was reconciled, the answer is one export away. | Learn more |
| 06 | Cards, CSV statements Credit card reconciliation | Reconciler reads your credit card statements and your QuickBooks, Xero, or NetSuite ledger side by side, then ties each charge, refund, and statement credit to the entry it belongs to. Corporate card reconciliation stops being a separate evening of ticking rows and becomes a review of the few charges that actually need a person. | Learn more |
How it works
Upload or connect, match both sides, flag the exceptions, explain and close
Bring in both sides
Upload a CSV export from any bank, card or processor and from your ledger, or connect Mercury, Brex, Stripe, PayPal, Square, QuickBooks Online, Xero or NetSuite read-only with a key you create in your own account. Reconciler never asks for a bank login and never gets permission to move money.
Reconciler matches both sides
The AI matches each transaction across both sides of the truth, using amount, date, memo, and processor references. Deposits tie to invoices, payouts tie to sales batches, fees tie to fee lines, automatically.
Discrepancies get flagged
Anything that does not tie out, a missing entry, a duplicate, a wrong amount, an unrecorded fee, is flagged for review with the running difference. Nothing auto-posts. A person confirms every exception.
Every match is explained, so the books close
Each match comes with a plain-English reason, and the difference is driven to $0.00. The result is an auditable, explainable close in a fraction of the time, with a full trail of why each line ties out.
Why finance teams switch
Close faster, catch what is missing, and trust every number
Enterprise reconciliation platforms are sales-gated and priced for a procurement cycle. The reconcile built into your accounting software is shallow. Reconciler owns the middle: self-serve, both sides matched, and every match explained.
| No. | Outcome | Result |
|---|---|---|
| 01 | Close your books in a fraction of the time Reconciler matches transactions across your bank, processors and ledger automatically, so the month-end grind of VLOOKUPs and side-by-side tabs becomes a review, not a rebuild. You confirm the matches instead of hunting for them. $0.00 the difference, tied out | $0.00 the difference, tied out |
| 02 | Catch what does not add up Missing entries, duplicates, wrong amounts and unrecorded fees get flagged the moment they break the tie-out, so a discrepancy surfaces during the close instead of in an audit six months later. 1 flagged caught before it closed | 1 flagged caught before it closed |
| 03 | Trust every number, because each match is explained Every match comes with a plain-English reason: which rule tied the two sides, on what amount and date. No black box. When a reviewer or auditor asks why two lines match, the answer is right there. every match explained in plain English | every match explained in plain English |
| 04 | No rip-and-replace, read-only by design Reconciler sits on top of the ledger you already use and only ever reads, from a CSV export or a read-only connection. It never moves, holds, or initiates money, and you keep QuickBooks, Xero or NetSuite exactly as they are. read-only never moves money | read-only never moves money |
Who it is for
Built for bookkeepers, controllers and finance teams
Works with your ledger
Reconciliation on top of the books you already keep
Reconciler reads your ledger from a CSV export or a read-only QuickBooks, Xero or NetSuite connection and reconciles it against your bank, card and processor data. There is no migration and no rip-and-replace, so your chart of accounts and your close process stay exactly where they are.
Drive it yourself
Match a bank statement, catch a missing entry, split a Stripe payout
Pick a scenario and watch the two columns tie out: matched pairs get a check and a plain-English reason, discrepancies get flagged, and the difference counts down to $0.00. This is the real board, not a screenshot.
Read-only ยท Never moves money
What it reconciles
Bank and card statements, Stripe, PayPal and Square matched against QuickBooks, Xero and NetSuite, both sides of the truth tied out and every match explained, in one read-only view.
Transparent pricing
Pricing you can read on the page
Every plan is paid and self-serve, positioned in the empty middle: well under enterprise reconciliation platforms and clearly above the shallow reconcile built into your accounting software.
Which reconciliation are you shopping for
Most teams arrive here with one of two jobs in mind. If you are not yet sure which reconciliation is the one costing you the week, financial reconciliation software lays out all nine of them side by side, what each one compares, and which are worth automating at all. If it is cash and cards that eat the week, start with bank reconciliation software. If the problem is not one account but all of them at once, and the real question is whether the cash sitting on the balance sheet is actually in the banks, that is cash reconciliation software, which ties every bank, card and processor balance to the ledger in one run and sorts the eight different jobs sold under that name, four of which are somebody else's product. If what you are shopping for is the matching engine itself, transaction matching software covers every match shape one has to handle and which vendors sell it without a platform attached. If the money arriving from Stripe, PayPal or Square never equals what you invoiced, that is a different problem and payment reconciliation software takes each payout apart into the charges, fees and refunds behind it. If you close more than one set of books and the two sides of a transfer never agree, intercompany reconciliation software pairs both legs across entities and is honest about the part of intercompany work no reconciliation tool can prove. If you want to know how much of that engine is really a model, AI reconciliation software goes through it stage by stage, including the steps that are ordinary rules rather than a model. If the pressure is proving every account at close, start with balance sheet reconciliation software. If what you own is the whole chart of accounts and you want to know which parts of it software can genuinely close, general ledger reconciliation software goes through fourteen GL account classes and says which reconcile by matching and which need a schedule instead.
If you sell online and the deposit never equals the day's sales, ecommerce payment reconciliation software takes apart the six things that sit between a sale and a payout, and says plainly which of your payout sources we read in full and which reach us as a lump deposit from the bank. If the question you are really asking is how much of this a machine can do at all, automated account reconciliation software walks the fourteen steps of a reconciliation and says how far each one automates, including the six that never will. If the records that will not agree are invoices, be careful which product you shop for, because ten different jobs get sold under that name: AI invoice reconciliation software sorts all ten and says which five are ordinary matching we do, and which five belong to accounts payable tools or document AI instead. If the shortlist you have been handed is BlackLine, Trintech or Oracle and you are not sure whether you need any of that machinery, enterprise reconciliation software sorts the nine products sold under that name into the three separate industries that sell them, and says plainly which six of them we do not do.
If the shortlist has already narrowed to the two biggest close platforms, Trintech vs BlackLine compares them module by module using each vendor's own published product names, and says on nine rows out of fourteen that we are not a candidate at all. If the two names on the shortlist are instead the ones most US mid-market teams end up weighing, BlackLine vs FloQast compares them across fourteen jobs and shows the two product lines FloQast does not sell at all, which is what usually decides that choice. If the whole close runs long and you are not sure which kind of tool would actually shorten it, month end close software separates the four different products sold under that name. Still comparing vendors? Our roundup of the best account reconciliation software says plainly where each one wins, including where we do not, and the breakdown of account reconciliation software pricing shows what every vendor in the category actually publishes, which for most of them is nothing.
FAQ
Questions finance teams ask first
No, it can never move your money. Reconciler only reads: the CSV exports you upload, and the read-only keys you create for a supported account. It never initiates, holds, or moves a payment, never asks for your bank login, and needs no write access to your bank or your accounting software. You can revoke a connection at any time and its key is deleted.
Any bank, card, processor or ledger works through a CSV export you upload. Read-only connections, with a key you create in your own account, exist for Mercury and Brex bank accounts, the Stripe, PayPal and Square processors, and the QuickBooks Online, Xero and NetSuite ledgers. Reconciler does not connect to other banks or to card issuers directly and never asks for a bank login; for those you upload the statement as CSV. It matches both sides, the money side and the books side, so you reconcile the whole picture rather than one account at a time.
Reconciler matches transactions and explains each match in plain English, so you can verify why two lines tie out. Anything it cannot confidently tie is flagged for human review rather than force-matched. Nothing auto-posts to your ledger. You stay in control and confirm the exceptions, which is exactly how a careful close should work.
No. Reconciler sits on top of the ledger you already use. It reads a CSV export of any ledger, or QuickBooks Online, Xero or NetSuite read-only, and reconciles against your bank, card and processor data, so there is no rip-and-replace, no migration, and no need to move your books onto a new platform to get automated reconciliation.
No. Reconciler is a reconciliation tool, not a financial, accounting, or tax advisor. It matches transactions, flags discrepancies, and explains its reasoning so your finance team can close the books faster. Every result is decision support that a person on your team reviews before anything is finalized.
Upload the two exports, or pick a period from your connections, and the first pass runs in seconds. With a money-side and a ledger connection in place, Reconciler also reconciles the previous day automatically every morning. There is no months-long rollout and no spreadsheet template to maintain. The first pass surfaces your matched pairs, the running difference, and any flagged discrepancies right away.
Close your next month in hours, not days
Upload a bank, card or processor CSV next to your ledger export, or connect supported accounts read-only. Reconciler matches transactions across both sides, flags what does not tie out, and explains every match, so the difference lands on $0.00 and the books close. Reconciler never moves money.
Read-only · Never moves money · Every match explained