Find out which invoice each deposit paid.
Import your invoice list and your bank statement as CSVs. SettlePair suggests the matches, shows the evidence behind every suggestion, and lets you handle the part payments and batched deposits that break spreadsheets. You approve; nothing is posted for you.
Free while in beta. The sample session needs no account; importing your own files needs one, and it holds an email address only. Your invoice and bank files are parsed in this browser and never uploaded.
INV-2007
Meridian Print Works
ZELLE MERIDIAN PRINT WORKS 2007 475.25
2026-03-09
The invoice reference or the exact amount lines up. Usually safe to approve.
Bank description
ZELLE MERIDIAN PRINT WORKS 2007 475.25
Why this was suggested
- Invoice number in description
- "2007" from INV-2007 appears in "ZELLE MERIDIAN PRINT WORKS 2007 475.25"
- +45
- Exact amount match
- Invoice total equals the deposit amount
- +30
- Customer name similarity
- 100% similar to "Meridian Print Works"
- +20
- Payment date is plausible
- 4 days from the invoice date
- +7
- Amount printed in the description
- The memo prints 475.25
- +12
- Confidence score
- Out of 100. Scores are computed on this device.
- 100
INV-2009
Sable Ridge Landscaping
ACH SABLE RIDGE LANDSCAPING INV-2009
2026-03-13
INV-2014
Bright Harbor Tutoring
ZELLE BRIGHT HARBOR TUTORING INV2014
2026-03-13
INV-2018
Rosepath Florist
ZELLE ROSEPATH FLORIST INV 2018
2026-03-17
Above: the actual review screen, running the real matching engine on the sample files. See how the score is calculated.
Four steps, about ten minutes
- 01
Import two CSVs
Your open invoices and your bank transactions. Columns are mapped for you.
- 02
Review suggestions
Scored pairs, exceptions first, with the evidence behind each score.
- 03
Allocate the rest
Part payments, batched deposits, short payments.
- 04
Export
A reviewed reconciliation, ready to record.
What you actually get done here
Reconciliation is rarely one deposit against one invoice. These are the four jobs SettlePair is built around.
- Work out who paid you
- Bank descriptions rarely name the invoice. SettlePair reads the reference out of the memo, compares the amount to the cent, weighs the customer name and the timing, then shows you which of those signals fired.The score is never a black box — every point is itemised on the row.
- Deal with the awkward payments
- One deposit covering five invoices. An invoice settled in two instalments. A payment short by a card fee. Allocate any of them across the sheet in whole cents, with the unapplied remainder always in view.Balances recalculate on every change, so the remainder can never quietly drift.
- Stop re-teaching the same payer
- When you match “NGD HOLDINGS LLC” to Northgate Dental, you can save that as a rule. Next month the same memo is recognised immediately.Rules live on your device. Export them, import them, or wipe them in one click.
- Finish with something you can post
- Export a reviewed CSV with record type, allocated amounts and remaining balances, so it reconciles against your books line by line.Nothing is written to your accounting system. You stay the one who posts.
What SettlePair does not do
- It does not connect to your bank
- You export a CSV yourself. There is no bank login and no aggregator.
- It does not post to your accounting system
- Nothing is written to Xero, QuickBooks or anything else. You export a reviewed file and record it.
- It does not decide for you
- Every suggestion waits for your approval. Bulk approval is opt-in and undoable.
- It does not learn from other people's data
- The only memory is the payer rules you save on this device.
- It does not give accounting or tax advice
- SettlePair is a review aid. Check every figure against your own records.
- It does not upload your files
- Invoices, deposits, amounts and customer names stay in this browser tab.
SettlePair is in beta and free while it is being shaped by the people using it. It is built by one person, and there are no customer counts, logos or testimonials on this page because there is nothing true to put there yet. What there is: a dated changelog and a published scoring model.
Accounts receivable reconciliation, exceptions included
Automatic matching pairs one deposit with one invoice. Everything a statement throws at you beyond that — a deposit covering five invoices, an invoice settled in two instalments, a payment short by a processing fee — is handled on the allocation sheet, in integer cents, with the remaining balance always visible. Nothing is posted to your books for you: you export the reviewed reconciliation and record it yourself.
Read how the matching tool works, the guide to matching bank deposits to invoices, or what happens to your CSVs.
Reconcile a real month in a few minutes.
Start with the sample session, or create a free beta account and bring your own two exports. Either way, nothing leaves your browser. Tell me what's missing at support@settlepair.com.