AI Reconciliation · Multi-Gateway · ERP Write-Back · Fixed Price

Payment Reconciliation Automation —
97%+ Auto-Match. Zero Manual Entry.

Your finance team spends hours matching bank statements to invoices to payment gateway settlements. XPndAI builds custom AI reconciliation systems that auto-match 97%+ of transactions — bank, gateway, ERP, and ledger — and route exceptions to a human review queue. Write-back to QuickBooks, NetSuite, SAP, Sage, or Xero.

97%+
Auto-match rate
80%
Time reduction
$15K
Starting price
6–10wks
Delivery
Get Free Quote → Bank Statement AI →

FREE SCOPING CALL — 30 MIN

Describe your reconciliation problem →

💬 Response within 12 hours. Fixed price quote.

How the Reconciliation AI Works

1

Ingest from all sources

Pull transactions from bank APIs (Plaid, direct bank feeds, PDF statements), payment gateways (Stripe, Adyen, PayPal), and ERP/accounting exports.

2

Normalize & enrich

Parse amounts, dates, reference numbers, counterparty names. Normalize formats, handle multi-currency FX conversion, identify batches vs. individual transactions.

3

AI matching engine

Run fuzzy matching with tolerance rules: exact amount → partial amount → range match → reference lookup. Handles fees, adjustments, refunds, chargebacks. Pattern learning from confirmed matches.

4

Exception routing

Unmatched items → priority exceptions queue with suggested matches and confidence scores. One-click confirm or investigate. Audit trail on every decision.

5

Write-back & reporting

Post matched transactions to QuickBooks, NetSuite, SAP, Sage, or Xero. Generate daily/weekly reconciliation reports, variance analysis, and aging summaries.

What We Reconcile

Bank Statement to ERP

Match every bank transaction to its ERP journal entry or invoice. Chase, BofA, Wells Fargo, Citi, US Bank — PDF or API feed. Auto-post matched, flag unmatched.

Multi-Gateway Settlement

Stripe, Adyen, Checkout.com, PayPal, Square, Braintree — reconcile settlement payouts against orders, refunds, chargebacks, and fees across all gateways in one dashboard.

ACH / NACHA Reconciliation

Match ACH origination batches against bank settlement. Handle PPD, CCD, CTX, WEB returns (R-codes), NOCs, prenotes. NACHA compliance reporting.

Invoice-to-Payment Matching

Match customer payments (partial, split, overpaid, underpaid) to open invoices. Handle payment terms, discounts, credits, write-offs. Accounts receivable clearing.

Marketplace Reconciliation

Amazon, Shopify, Walmart Marketplace, Etsy — reconcile platform settlements against orders, returns, fees, FBA adjustments. Multi-marketplace unified view.

Multi-Entity / Multi-Currency

Consolidate reconciliation across subsidiaries and entities. FX conversion at transaction date. Intercompany eliminations. Group-level close reporting.

Pricing

Fixed price in USD. Source code ownership. 60% less than US fintech consulting rates.

Single Reconciliation
$15K–$30K
One reconciliation flow (e.g., bank-to-ERP or Stripe-to-QuickBooks) with exception management and reporting. Delivery 6–8 weeks.
Multi-Source Platform
$35K–$80K
Multi-gateway + bank + ERP reconciliation unified platform, exception dashboard, ERP write-back. 10–14 weeks.
Enterprise
$80K–$200K
Multi-entity, multi-currency, multi-ERP reconciliation with BI dashboards, ML matching, SOX controls. 4–6 months.

Send us your current workflow —
We'll scope the automation in 24 hours

Tell us: which sources you reconcile, what ERP or accounting system, daily transaction volume, and the biggest pain points. We'll design the AI system and send a fixed-price proposal.

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