About
A small tool, built in the open
SettlePair is an independent product, built and maintained by James F. Kollie, Jr. It exists because matching a bank statement to a sales ledger is a job that swallows an afternoon every month, and the software that solves it properly is usually sold as a module of something far larger.
The design decision behind everything
Reconciliation data is about as sensitive as a small business gets: who your customers are, what they owe you, and when they pay. So the files are never uploaded. Parsing, scoring and allocation all run in your browser tab, on your machine. That constraint shapes the rest of the product — no accounts to reconcile against, no server-side history, no “sync”.
What is stored, and only on your device, is what you deliberately save: payer rules, and a session if you opt in to resume. Both can be wiped from inside the app. The full detail is on the privacy page.
How matching decisions are made
The scoring engine is deterministic and fully published. No language model touches your rows; the same two files produce the same suggestions every time. If you think a rule is wrong, you can read it on the scoring model page and say so.
Where it is up to
SettlePair is in beta. It is free while it is being shaped by the people using it, and the changelog records what has shipped so far. If something is wrong, missing or slower than doing it by hand, write to support@settlepair.com — that feedback is what drives the list.
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.
More on the limits of the tool is on the FAQ.