Reconciliation
How Reconbanker matches bank transactions to payments.
Reconciliation
This page explains how Reconbanker decides whether a bank transfer matches a payment you were expecting.
What Reconbanker compares
For each pending payment, Reconbanker looks at the bank transactions in the same account and checks:
- Same amount? The transfer must be the exact amount. No tolerance, no rounding.
- Same currency? A 100.00 USD order will never match a 100.00 UYU transfer.
- Inside the 5-day window? The transfer's date must be no more than 5 days before the order was registered. Transfers that arrive after the order are also valid. This window is fixed and cannot be changed.
- Similar sender name? Reconbanker scores how close the sender on the bank statement is to the name on the order. Accents, case, and punctuation are ignored.
If steps 1–3 leave one or more candidates, Reconbanker uses the sender-name score to pick.
Outcomes
| Status | What it means |
|---|---|
pending | The order is registered and Reconbanker is waiting for a matching transfer. |
processing | A match is being evaluated right now. |
matched | One bank transaction was a clear match. The order is settled. |
not_found | No matching transactions yet. The order will be re-evaluated when new transfers arrive. |
ambiguous | Two or more bank transactions are equally plausible. Reconbanker leaves the decision to you. |
expired | The order sat for more than 5 days without matching. |
cancelled | The order disappeared from your source system before it could match. |
Expiry
A payment expires automatically after 5 days without a match. If you want a webhook notification when this happens, turn on Notify on expired in account settings.
If a transfer arrives later for an expired order, re-register the order and it will match the existing bank transaction.
Ambiguity
When two transfers in your bank have the same amount, the same currency, and similar sender names, Reconbanker stops and asks you to decide rather than risk crediting the wrong customer. You will see both candidates side by side in the dashboard.
If you keep seeing ambiguity from the same sender, ask them to include a unique reference (an invoice number, an order ID) so future transfers identify themselves unambiguously.
Re-evaluation on new transfers
When a new bank transaction is ingested, Reconbanker re-checks every order currently in not_found — not just new orders. An order can match days after it was first registered, as long as it has not yet expired.
Next
- Operation modes — reconcile versus passthrough.
- View results — what each status looks like in the dashboard.
- Troubleshooting — when a match is not behaving as expected.