Question 1

What CSV format does SettlePair need?

Accepted Answer

Any comma, semicolon or tab separated export with a header row. The invoice file needs invoice number, customer, amount and issue date, with due date optional. The bank file needs transaction date, description or reference, and amount. Column names are auto-mapped and you can correct the mapping before reconciling.

Question 2

Which bank statement exports work?

Accepted Answer

Standard CSV downloads from online banking work, including exports that use quoted fields, a byte order mark, or a single signed amount column. Restrict the export to the statement period you are reconciling, and to deposits where your bank allows it, so outgoing payments do not compete with customer receipts.

Question 3

How does SettlePair handle partial payments?

Accepted Answer

A part payment is allocated against the invoice and the invoice keeps its remaining balance. It is labelled Partially paid, never settled. Allocations are stored in integer cents and cannot exceed the invoice's remaining balance or the payment's unapplied balance.

Question 4

Can one deposit be split across several invoices?

Accepted Answer

Yes. In the allocation sheet you can apply one bank payment to several invoices, apply several payments to one invoice, or leave part of a deposit unapplied. Automatic matching stays one-to-one; grouped allocations are always created by you, so the audit trail reflects a human decision.

Question 5

What does the confidence score mean?

Accepted Answer

It is a deterministic 0-100 total of named signals: the invoice number or its digits in the bank description, amount agreement (including the invoice amount quoted in the memo), customer name overlap, and a plausible payment date, plus a bonus for payers you have matched before, less a penalty when another transaction scores nearly as well. Scores of 80 and above open as approved, 45 to 79 enter the review queue, and lower scores are not suggested. The evidence panel shows which signals fired.

Question 6

Is this AI, and does it learn from my data?

Accepted Answer

No. Matching is rule-based with fixed weights, so the same two files always produce the same scores. There is no model, no training, and no external service involved.

Question 7

Where is my data stored?

Accepted Answer

On your own computer. Files are parsed in your browser tab and never transmitted: there is no upload and no server-side store of financial data. An account is needed to import your own files, and it holds your email address only — never anything from your books. Two things can be kept on the device if you want them: payer rules (a bank-description fragment and the customer it belongs to), and a saved session, which is opt-in and expires after 30 days. Both can be deleted in one click from the workbench footer or the security page. If you save nothing, refreshing the page clears everything.

Question 8

Does SettlePair connect to my bank or accounting software?

Accepted Answer

No. It reads CSV exports you download yourself and produces a CSV you post to your books. It holds no credentials and makes no connection to a bank or ledger.

Question 9

Is the output accounting-accurate?

Accepted Answer

SettlePair is a review aid, not an accounting system, and makes no claim of accounting accuracy. Confirm every match before updating your books; the export exists so a person can check and record the decisions.

Question 10

What does the export contain?

Accepted Answer

One CSV named settlepair-reconciliation.csv with a row per record: record type, invoice number, customer, invoice amount, payment date, bank description, payment amount, allocated amount, remaining invoice balance, unapplied payment balance, confidence, decision, evidence summary, and whether the match was automatic or manual.

Question 11

Which browsers are supported?

Accepted Answer

Current versions of Chrome, Edge, Firefox and Safari on desktop, and the same engines on mobile. JavaScript must be enabled because all processing is client-side. Very large files are limited by your device's available memory.

Question 12

How much does it cost?

Accepted Answer

SettlePair is free during the beta. A free account is needed to import your own files — it holds your email address only — and the sample demo stays open to everyone. There is no payment step and no usage limit imposed by the app. Paid plans will be introduced after the beta, with notice before anything changes.

Frequently asked questions