Account reconciliation questions, answered

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.

Reconciler reads only the transaction data it needs to match your accounts, from files you upload or read-only connections you set up. It does not move money and it encrypts data in transit and at rest. See the privacy policy for the full detail on data handling, retention, and how to revoke access.

Read the privacy policy →

Reconciler is self-serve, transparently priced, and reconciliation-first. Enterprise platforms like BlackLine are powerful but sales-gated and priced for large enterprises with a long procurement cycle. Close platforms like FloQast and Numeric lead with checklists and workflow, where reconciliation is often status tracking rather than deep cross-source auto-matching. Reconciler connects both sides, matches transactions, and explains each match, without a sales call or a seat-based enterprise contract.

No. Reconciler does the matching and flagging so your finance team spends time on judgment and exceptions instead of tick-and-tie in spreadsheets. It makes a bookkeeper or controller far more effective and their close far faster. It does not replace their review or their sign-off.

Transparent self-serve pricing: Starter is 29 dollars per month, Growth is 89 dollars per month and is the most popular tier, Scale is 239 dollars per month, and Enterprise is 599 dollars per month. Prices are billed yearly by default. Reconciler is priced for the empty middle: well under enterprise reconciliation platforms and clearly above the shallow reconcile built into your accounting software.