AgentsReconciliationSet up at onboarding

Your books match your bank, every day.

The reconciliation agent matches every bank, card and processor transaction to your books as it lands, and brings you the few it cannot match with a suggested fix and the reason.

Priced on a call, by your workload, your volume and the agents you use. One time onboarding fee of 750 US dollars.

Book a callPricing
StratumReconciliation
Today's bank lines41 matched · 2 for you
  • Stripe payout14 invoices · fees $412.60 split out
    +$11,362Matched
  • Operating accountSoftware subscription · September
    $1,180Matched
  • Operating accountOrbit Cloud · bill 2210
    $1,250Matched
  • Company card ending 4242No bill found · asked the cardholder
    $640Needs you
  • Stripe refundCredit note CN 118
    $300Matched
Matched the day the money moved. Fictional companies.

The job today

Reconciliation waits for the last week of the month

Nobody has time on the 12th, so by the 28th it is a project.

Small errors hide in the noise

A duplicated payout, a bank fee coded to revenue, a missing bill. Each is small; together they are why the numbers are off.

Card spend has no receipts

Someone has to chase the cardholder, and usually nobody does.

What the agent does

Daily matching
Bank and card lines matched to your books the day they appear.
Payouts split correctly
Stripe and marketplace payouts broken into sales, fees, refunds and reserves, with the entries proposed for your approval.
Receipts chased
A card charge with no receipt gets the cardholder asked, politely and more than once.
Suggested fixes, never forced matches
Anything uncertain comes to you with the best guess and the reason.
Memo names learned
It learns which cryptic bank memos belong to which vendor, even when the vendor changes its billing name.
A clean hand off to close
By month end the matching is already done, so the close starts on day one.

An illustrative first week

Example numbers for a business of about forty people.

Your bank and card feeds decide how much history we match in the first days. Book a call and we will show you yours.

  1. Monday

    We connect read only bank and card feeds and read three months of about 600 transactions.

  2. Tuesday

    We propose matching rules from your history. You confirm or correct them.

  3. Wednesday

    Daily matching starts. The first exceptions arrive with suggested fixes.

  4. Thursday

    Card charges without receipts get their cardholders asked.

  5. Friday

    Your books match your bank for the week. You see exactly which lines needed you.

Where it stops

It never

  • Forces a match it is not confident in.
  • Deletes a transaction from your books.
  • Edits a closed month. Corrections go into the current month with a note.
  • Reclassifies between accounts without your approval.
  • Touches your bank beyond reading it.

It always asks you first

  • Any match below the confidence you set
  • Reclassifications between accounts
  • New rules that would auto match a recurring transaction
  • Anything that affects a closed month
  • Card charges with no receipt after two reminders

What it writes down about you

Every memo name and matching habit it learns goes into your rulebook in plain English. You can read it, correct it and take it with you.

Your rulebook
Reconciliation
3.1
That the Tuesday Stripe payout includes the weekend's refunds and splits three ways.
3.2
Which bank memo strings belong to which vendors.
3.3
Which recurring transactions can match automatically and which need a second look.
3.4
Which cardholders need one reminder and which need three.
3.5
How your accountant likes corrections recorded.

What a good quarter looks like for you

90% or moreMatched before month endBecause matching runs daily.Target we set with you
Same dayExceptions in front of youNot in week four.Target we set with you
Every oneReceipt chased automaticallyFor card spend without a bill.Target we set with you

We set these with you once we have seen your bank and card feeds.

What we need to start

Your accounting software and read only bank and card feeds.

See the reconciliation agent on your own books.

Book a call
Next agentMonth end closeClose in a review, not a scramble.