Bank Reconciliation Software That Brings Your Bank, Processors, and Ledger Together Read-Only
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.
Read-only ยท Never moves money
In short
Bank reconciliation is the practice of comparing the transactions in your bank account against the entries recorded in your accounting ledger to confirm they agree. Reconciler is bank reconciliation software that brings together the three sources you need for a complete picture: your bank, your payment processors, and your ledger. Any bank works through a CSV export of the statement, and Mercury and Brex connect read-only with a token from your own account. Stripe, PayPal, and Square connect read-only with a key from your own account, and QuickBooks Online, Xero, and NetSuite connect read-only through an app or token you create in your own account, so nothing is entered twice. Any other ledger, such as Sage Intacct or Business Central, comes in as a CSV export. Once both sides are in, an ACH deposit of $3,200.00 on your bank statement can be lined up against invoice 1043 marked paid in your ledger and the Stripe payout po_8821 that delivered the funds. Setup takes minutes: a CSV upload needs no setup at all, and a connection needs only a key you create in your own account. Reconciler never asks for your bank login. It sits on top of your existing ledger with no rip-and-replace, and no records are changed on your side. Reconciler only reads your transactions and never moves money or writes back to your bank or ledger.
What you get
Bank feed connect, built for finance teams, bookkeepers and controllers
Three sources, one view
Your bank statement, Stripe, PayPal, or Square payouts, and your QuickBooks, Xero, or NetSuite ledger land in one place, as CSV or through a read-only connection, so both sides of every transaction sit side by side.
Read-only by design
Reconciler reads transactions and balances only. It never moves money, posts entries, or changes a record in your bank or your ledger.
Connects your processors
Connect Stripe, PayPal, and Square read-only with a key from your own account, so a payout like po_8821 lines up with the sales it settled.
No rip-and-replace
Reconciler sits on top of QuickBooks, Xero, or NetSuite. You keep your ledger and your workflow, and add matching on top.
How it works
From upload or connection to reconciled in four steps
Pick your sources
Choose your bank (any bank as a CSV statement, or Mercury and Brex connected), your processors like Stripe, PayPal, and Square, and your ledger such as QuickBooks Online, Xero, or NetSuite.
Upload or connect
Upload the CSV exports, or paste a read-only key you create in your own account for each supported source. Reconciler reads transactions and never gains permission to move money.
Both sides load
Reconciler reads deposits, payouts, and ledger entries for the period you pick, and when both sides are connected it reconciles the previous day automatically every morning, so an ACH deposit of $3,200.00 sits next to invoice 1043.
Start reconciling
Matching runs automatically and your team reviews the results instead of ticking rows by hand.
Questions people ask
Bank feed connect, answered
How does automated bank reconciliation work?
Automated bank reconciliation works by taking transactions from your bank statement and your accounting ledger, then matching each deposit, withdrawal, and fee to the entry that explains it. Reconciler adds payment processors to that picture, so an ACH deposit of $3,200.00 ties to invoice 1043 and the Stripe payout that delivered it.
How do I connect Stripe, PayPal, or Square to my accounting software?
Create a read-only key in your own Stripe, PayPal, or Square account and paste it into Reconciler, then connect QuickBooks Online, Xero, or NetSuite with an app or token from your own account, or upload the ledger as CSV. Reconciler reads payouts and fees from Stripe, PayPal, and Square and lines them up against your ledger entries, so a payout like po_8821 sits next to the sales it settled.
Is it safe to connect my bank account to reconciliation software?
Reconciler never asks for your bank login. For most banks you upload the statement as CSV, and Mercury and Brex connect with a read-only token you create in your own account, which means Reconciler reads transactions and never moves money, posts an entry, or changes a record. A person reviews every exception, and nothing auto-posts.
Does Reconciler replace QuickBooks or Xero?
No. Reconciler sits on top of the ledger you already run, so your books stay in QuickBooks, Xero, or NetSuite and nothing is migrated. It reads both sides read-only, matches the transactions, and hands your team the exceptions. There is no rip-and-replace.
How long does it take to set up a bank feed connection?
Setup takes minutes. For Mercury or Brex you create a read-only token in your own account and paste it in, and matching starts on the transactions already there. For any other bank, upload the statement as CSV, which takes no setup at all.
Working out what this costs across the market? Only three of nine vendors publish account reconciliation software pricing, so the comparison is harder than it should be.
See your accounts tie out
Upload CSV exports from any bank, card or ledger, or connect Mercury, Brex, Stripe, PayPal, Square, QuickBooks Online, Xero or NetSuite read-only, and reconcile in a fraction of the time. Reconciler matches transactions, flags what does not add up, and explains every match. It never moves money.