Operation modes

Every account runs in one of two modes. The mode controls what happens with bank transactions after they are read.

Reconcile mode

This is the default and the most common choice.

• Reconbanker periodically asks your system for the list of payments you are expecting.
• For each new bank transaction, it tries to match it to one of those payments.
• When there is a match, it fires your webhook with the order id, status, amount, currency, and sender name.
• When two transactions are equally plausible, it marks the order ambiguous and waits for your decision.
• If a payment sits for more than 5 days without matching, it is marked expired.

Use reconcile when your business already tracks pending payments somewhere and you want Reconbanker to close the loop automatically.

Passthrough mode

Reconbanker does not try to match anything. It forwards every new bank transaction to your webhook as soon as it sees it.

• No concept of pending orders, no matching, no ambiguity, no expiry.
• Only fires when the bank transaction has a sender name; transfers without one are skipped.
• Webhook payload describes the bank transaction itself, not an order result.

Use passthrough when you want Reconbanker to be the bank reader and you plan to handle reconciliation in your own system.

Side by side

Switching modes

You can change an account's mode at any time from settings. See Account settings for what happens to existing orders and bank transactions when you switch.

Which should I pick?

• You have an orders or invoices table and want Reconbanker to close them out → reconcile.
• You want raw bank events forwarded so you can build your own logic → passthrough.
• Different accounts have different needs → use a different mode per account; they are independent.