AI Financial Reconciliation · Bank · Payment · Intercompany · GL · SAP · Oracle · NetSuite · Xero

AI Financial Reconciliation —
Bank. Payments. Intercompany. GL. Auto-Match 95%+.

Finance teams spend days every month-end reconciling bank statements, matching payments, clearing intercompany transactions, and balancing GL accounts. XPndAI automates all of it: the AI matches transactions across your bank feeds, ERP ledgers, and payment gateways in minutes, achieves 95%+ auto-match on first run, and routes only genuine exceptions for human review. Month-end close accelerates from days to hours.

95%+ auto-match rate
MT940 + CAMT.053
Multi-currency
$15K starting
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Which reconciliation process takes longest?

💬 Response within 12 hours. Fixed-price proposal.

Five Types of Financial Reconciliation Automated

Bank Reconciliation

Imports MT940/CAMT.053 bank statements and matches each transaction to GL entries. Handles bank charges, returned payments, value-date differences, and split transactions. Produces a cleared reconciliation statement for every bank account, daily.

MT940CAMT.053CSV statementsMulti-bank

Payment Reconciliation (AR/AP)

Matches incoming customer payments to open AR invoices and outgoing vendor payments to AP invoices. Handles partial payments, overpayments, early payment discounts (skonto), withholding tax deductions, and SWIFT/SEPA reference formats.

AR matchingAP matchingPartial paymentsSkontoWithholding tax

Intercompany Reconciliation

Automated matching of intercompany transactions across subsidiaries: intercompany invoices, loans, cost allocations, dividends. Identifies unmatched items, computes net positions per entity pair, and generates confirmation statements for sign-off.

Multi-entityIC invoicesCost allocationsNet positions

GL Account Reconciliation

Clears open items on balance sheet accounts: prepayments, deposits, accruals, suspense accounts. Matches debit-credit pairs, identifies long-outstanding items, generates monthly balance confirmation letters. Reduces month-end close time significantly.

Open item clearingSuspense accountsAccrualsBalance confirmations

Payment Gateway Reconciliation

Matches Stripe, Adyen, PayPal, Razorpay, CCAvenue, and other gateway settlement files to your orders and GL. Handles gateway fees, refunds, chargebacks, rolling reserves, FX conversion differences, and payout timing lags.

StripeAdyenRazorpayPayPalChargebacksFX

Multi-Currency + FX Reconciliation

Handles multi-currency reconciliation with automatic FX rate application (ECB rates, bank rates, or custom rate feeds), realised and unrealised FX gain/loss calculation, and hedging position reconciliation. Posts FX adjustments to GL automatically.

Multi-currencyFX gain/lossHedge matchingECB rates

Pricing

One Recon Type
$15K–$38K
One reconciliation type (e.g. bank recon) + one ERP. 5–8 weeks.
Recon Platform
$42K–$100K
Bank + payment + GL + intercompany + multi-currency + analytics. 12–18 weeks.
Enterprise
$100K–$260K
Global: 50+ bank accounts, 20+ entities, all recon types, regulatory reporting. 4–8 months.

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