Dynamics 365 Business Central Reconciliation and Business Central Bank Reconciliation, Matched Automatically and Explained
Reconciler reads your Dynamics 365 Business Central ledger alongside your bank feed, corporate cards, and payment processors, then matches the transactions across both sides automatically. Your team reviews exceptions instead of maintaining match rules and clearing lines in the Bank Account Reconciliation and Payment Reconciliation Journal screens.
Read-only ยท Never moves money
In short
Dynamics 365 Business Central reconciliation is the process of confirming that the balances and transactions in your Business Central general ledger agree with the outside records behind them, such as a bank statement, a credit card statement, or a payment processor payout. Business Central ships two tools for this: the Bank Account Reconciliation page, which checks bank ledger entries against an imported statement, and the Payment Reconciliation Journal, which matches incoming and outgoing payments to open entries using text-to-account mapping and match rules you set up. For a single account with a clean feed, those tools do the job. They get heavy once you reconcile several companies, corporate cards, and processors that bundle many sales into one deposit, which is where finance teams end up tuning match rules or rebuilding the tie-out in a spreadsheet. Reconciler connects to Business Central read-only, pulls your bank and processor data in beside it, and scores every candidate pair on amount, date, memo, and reference rather than on a maintained rule. Each match carries a plain English reason, high-confidence matches group for batch approval, and true exceptions surface on their own with the reason they failed to tie. Nothing writes back to Business Central and nothing auto-posts. The connection is read-only by design, so Reconciler reads your records and never moves money.
Last updated July 2026
What you get
Reconciliation that fits the way Business Central teams actually close
Bank data matched to Business Central
Reconciler lines up each bank line against the Business Central entry it belongs to on amount, date, memo, and reference, so matching no longer depends on the text-to-account rules you have to maintain.
Built for multiple companies
Reconcile several Business Central companies in one place rather than running the Bank Account Reconciliation and Payment Reconciliation Journal once per company and stitching the results together.
Cards and processors included
Corporate card statements and Stripe, PayPal, or Square payouts reconcile on the same pass, with each sale, refund, and fee inside a payout tied to its Business Central entry.
An explainable audit trail
Every match, flag, and approval is recorded with the reason it tied out, which is the record your controllers and external auditors ask for at year end.
How it works
From Business Central connected to reconciled in four steps
Connect Business Central read-only
Authorize a read-only connection to Dynamics 365 Business Central. Reconciler reads transactions and balances and never gains permission to post entries or move money.
Bring in bank, cards, processors
Connect your bank feed, corporate cards, and any of Stripe, PayPal, or Square, so both sides of every transaction sit together.
Reconciler matches both sides
The engine scores every candidate pair across sources and companies, then groups the confident matches so they can be approved in batches.
Review and close
Read why each pair matched, confirm the exceptions, and drive the difference to $0.00. Nothing posts back to Business Central.
Honest comparison
Business Central built-in reconciliation vs Reconciler
| Business Central built-in reconciliation | Reconciler | |
|---|---|---|
| Cost | Included in your Business Central subscription | From $49 per month on top of Business Central |
| Single account, clean bank feed | Handles it, and you already pay for it | Works, but the built-in screens are usually enough |
| Bank transaction matching | Text-to-account rules you set up and maintain | Scores amount, date, memo, and reference together, no rule upkeep |
| Processor payouts (Stripe, PayPal, Square) | Lump deposit, split by hand or by custom mapping | Payout opened and each sale, refund, and fee tied to its entry |
| Multiple companies | Reconcile each company on its own | Matched across companies in one place |
| Why a match happened | A rule matched the text, no plain English reason kept | Plain English reason attached to every pair |
| Writes to your ledger | Yes, the journals post the reconciliation | No, read-only. Nothing auto-posts |
Business Central already includes the Bank Account Reconciliation page and the Payment Reconciliation Journal, and you are already paying for them, so use them if one clean bank account is your whole problem. Reconciler is worth adding when multiple companies, corporate cards, and bundled processor payouts push the tie-out into a spreadsheet, when the match rules need constant tuning, and when you want a written reason behind every match.
Questions people ask
Business Central reconciliation, answered
How do you reconcile a bank account in Dynamics 365 Business Central?
In Business Central you open the Bank Account Reconciliation page, import or enter the bank statement for the account, let it suggest lines that match your bank ledger entries, clear anything it could not match, then post the reconciliation to the statement ending balance. The matching step is the slow part, and Reconciler runs that pass for you across your bank, cards, and processors and returns only the exceptions.
What is the Payment Reconciliation Journal in Business Central?
The Payment Reconciliation Journal in Business Central imports a bank statement and matches each incoming or outgoing payment to the open customer or vendor entry it settles, using text-to-account mapping and match rules, with a confidence level on each line. You review the suggested applications, fix the low-confidence ones, then post and reconcile. Reconciler adds a matching layer that does not depend on rules you maintain and explains every pairing in plain English.
Does Business Central do automatic bank reconciliation?
Business Central can auto-match statement lines to bank ledger entries and suggest payment applications from match rules and text mapping, but the rules need setup and upkeep and anything they miss falls back to manual clearing. Reconciler matches on amount, date, memo, and reference without rule maintenance, and it explains each match so you can accept or reject it quickly.
Can Business Central reconcile Stripe or PayPal payouts?
Business Central records a processor payout as a single deposit, so the sales, refunds, and fees bundled inside it have to be split out by hand or with a custom mapping. Reconciler opens the payout, ties each component to the Business Central entry it belongs to, and shows the arithmetic that gets you from gross sales to the net deposit.
Is Reconciler a Business Central replacement?
No. Reconciler sits on top of Dynamics 365 Business Central and reads it with read-only access. Your ledger, your chart of accounts, and your close process stay exactly where they are. Reconciler adds the automated matching layer and hands the exceptions to a person on your team.
Other ledgers we reconcile
How the matching works
Reconcile Business Central without the ticking
Connect Business Central, your bank, and your processors read-only. Reconciler matches transactions, flags what does not add up, and explains every match. It never moves money and nothing auto-posts.