SettlePair
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Reconciliation control desk

Turn two CSV exports into a reviewed reconciliation.

SettlePair pairs bank deposits with open invoices, scores each suggestion against visible evidence, and hands the decision to you. Part payments, batched deposits and short payments included.

Try the sample dataStart with your CSVs

Your files are read in this browser tab. Nothing is uploaded, stored, or shared — and no account is required.

Matching rail — sample session

3 pairs · 1 exception

  • INV-1042

    1,240.00

    Harborline Studio

    score 96

    ACH CREDIT HARBORLINE INV1042

    1,240.00

    2026-03-18

    Confirmed

    Invoice number in description · amount agrees to the cent

  • INV-1047

    812.50

    Northbank Coffee

    score 88

    DEPOSIT NORTHBANK CO

    812.50

    2026-03-19

    Confirmed

    Customer name overlap · amount agrees to the cent

  • INV-1051

    2,970.00

    Verrall & Sons

    score 58

    TRANSFER V AND SONS LTD

    2,940.00

    2026-03-20

    Needs review

    Short by 30.00 · no invoice reference in description

Every score shows the evidence behind it. You approve, adjust, or reject.

2 confirmed

Sample reconciliation rail pairing three invoices with bank deposits: two confirmed matches and one short payment flagged for review.

The flow, end to end

  1. 01

    Import

    Two CSV exports: invoices and bank transactions.

  2. 02

    Review suggestions

    Scored pairs with the evidence behind each score.

  3. 03

    Handle exceptions

    Part payments, batched deposits, short payments.

  4. 04

    Export

    A reviewed reconciliation as CSV, ready to post.

Why finance teams lose time at month end

Reconciliation is rarely one deposit against one invoice. These are the situations that turn an afternoon into two days — and how SettlePair handles each one.

Bank descriptions don't name the invoice
SettlePair scores customer-name overlap, amount agreement and settlement timing, then shows you which signals fired.
One deposit settles five invoices
Allocate a single deposit across several invoices in integer cents, with the unapplied balance always visible.
An invoice arrives in two instalments
Record each part payment against the same invoice and watch the remaining balance fall to zero.
A payment is short by a processing fee
Near-amount matches are flagged amber for review rather than silently approved or silently dropped.
Payments land days after the invoice
Settlement timing is scored, not assumed, so a late but plausible deposit still surfaces as a candidate instead of disappearing.
Line-by-line checking in a spreadsheet
Approve every high-confidence suggestion in one action, then spend your attention on the exceptions only.

Built around evidence and human review

SettlePair proposes; you decide. Nothing is posted to your accounting system, and every number it shows can be traced back to a rule you can read.

  • Every score shows its reasons

    Expand any suggestion to see the signals that produced the number — reference match, amount agreement, name overlap, date plausibility, and any ambiguity penalty.

  • Allocations, not just pairs

    One-to-many, many-to-one, part payments and unapplied remainders are first-class, with balances recomputed on every change.

  • Integer-cent arithmetic

    Amounts are parsed to whole cents and stay there. No floating-point drift between the import and the export.

  • Browser-local processing

    CSV parsing and matching run in this tab. No upload, no account, no storage — refreshing clears the session.

  • You make every decision

    Nothing is posted anywhere. Approve, reject or adjust each suggestion, then export the reviewed result.

  • CSV export with the full picture

    Record type, allocated amounts and remaining balances, so the file reconciles against your books line by line.

From two raw exports to a reviewed worklist

Same rows, same amounts — reorganised into decisions you can act on.

invoices.csv

Raw invoices.csv rows before reconciliation
InvoiceCustomerAmount
INV-1042Harborline Studio1,240.00
INV-1047Northbank Coffee812.50
INV-1051Verrall & Sons2,970.00

bank.csv

Raw bank.csv rows before reconciliation
DateDescriptionAmount
2026-03-18ACH CREDIT HARBORLINE INV10421,240.00
2026-03-19DEPOSIT NORTHBANK CO812.50
2026-03-20TRANSFER V AND SONS LTD2,940.00

Reviewed worklist

  • INV-1042

    1,240.00 applied

    96

    confirmed

  • INV-1047

    812.50 applied

    88

    confirmed

  • INV-1051

    2,940.00 applied · 30.00 open

    58

    review

Open this session
Templates

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 loaded sample session, or bring your own two exports. Free, no account, nothing leaves your browser. Tell us what's missing at support@settlepair.com.

Try the sample dataStart with your CSVs