Reconciliation
Reconciled before you look.
Bank, card and Stripe lines are matched to your entries as they arrive. What does not match lands in an exceptions queue, and a named person signs off each account for each period.
- Bank feedsPlaid, or CSV and statement files.
- Card accountsCredit card lines matched to receipts and bills.
- StripePayouts split into charges, refunds and fees.
- Continuous matchingLines compared with entries as they arrive.
What you get
Matched as lines arrive
Bank feeds and card lines are compared with entries continuously, so reconciliation is a steady state and not a month-end project.
Exceptions, not busywork
Lines that match are done. What does not match goes to a queue with a suggested fix, and each fix is approved by a person.
Signed off per account
A reconciliation is certified per account and period by a named person, and the certification locks what it covers.
How it works
From bank line to sign-off.
Pick a step to see it. The panel stays beside you while you read.
Connect an account through Plaid and lines arrive daily, or upload a CSV or statement file when the bank is not supported. Both land in the same place and are matched the same way.
- Plaid bank feeds
- CSV and statement imports
- Chequing, savings and credit cards
Operating account, lines received 29 Oct
| Date | Description | Amount | Status |
|---|---|---|---|
| 29 Oct | Lakeshore Fabrication | 4,812.00 | Matched to INV-2291 |
| 29 Oct | Brant Industrial Supply | -3,864.60 | Matched to bill 55812 |
| 29 Oct | Monthly account fee | -30.00 | Rule: bank charges |
Each line is compared with open invoices, bills, payments and entries by amount, date, reference and counterparty. A confident match is proposed with the evidence, and a person confirms it.
- Amount, date, reference and name
- Evidence shown beside each match
- Corrections taught back to the matcher
Proposed matches, 31 Oct
A payout is one deposit at the bank and many movements in Stripe. Eternify Ledger splits it into the charges that earned it, the refunds taken out and the fees, so each piece lands on the right account.
- Payout split into its parts
- Fees posted to expense
- Refunds tied to the original charge
Stripe payout po_1042, 28 Oct 2026
- Charges, 31 orders
- 9,900.00
- Refunds, 2
- -310.00
- Stripe fees
- -169.22
- Deposit to operating account
- 9,420.78
A single deposit can settle a batch of invoices, and a single invoice can be paid in instalments. Splits and settlements are made in the matching screen with every part shown.
- One line against many items
- Many lines against one item
- Remainder kept visible
Deposit 7,119.00 split across three invoices
| Invoice | Amount | Applied |
|---|---|---|
| INV-2301 | 2,260.00 | 2,260.00 |
| INV-2302 | 3,390.00 | 3,390.00 |
| INV-2303 | 1,469.00 | 1,469.00 |
| Deposit | 7,119.00 | 7,119.00 |
An unmatched line shows with the closest candidates and a suggested action: match, create an entry, split or ignore with a reason. Each choice is recorded against a name.
- Closest candidates shown
- Suggested action with a reason
- Every resolution attributed
Exceptions, operating account
When the statement balance and the ledger agree, a named person certifies the reconciliation. It records the period, the difference of zero and who signed, and it locks the matched lines.
- Per account and per period
- Statement and ledger agree
- Locks matched lines
Operating account, September 2026
- Statement balance, 30 Sep
- 412,880.15
- Outstanding cheques
- -6,240.00
- Deposits in transit
- 6,240.00
- Adjusted bank balance
- 412,880.15
- Ledger balance, 1010 Operating
- 412,880.15
Operating account, lines received 29 Oct
| Date | Description | Amount | Status |
|---|---|---|---|
| 29 Oct | Lakeshore Fabrication | 4,812.00 | Matched to INV-2291 |
| 29 Oct | Brant Industrial Supply | -3,864.60 | Matched to bill 55812 |
| 29 Oct | Monthly account fee | -30.00 | Rule: bank charges |
Proposed matches, 31 Oct
Stripe payout po_1042, 28 Oct 2026
- Charges, 31 orders
- 9,900.00
- Refunds, 2
- -310.00
- Stripe fees
- -169.22
- Deposit to operating account
- 9,420.78
Deposit 7,119.00 split across three invoices
| Invoice | Amount | Applied |
|---|---|---|
| INV-2301 | 2,260.00 | 2,260.00 |
| INV-2302 | 3,390.00 | 3,390.00 |
| INV-2303 | 1,469.00 | 1,469.00 |
| Deposit | 7,119.00 | 7,119.00 |
Exceptions, operating account
Operating account, September 2026
- Statement balance, 30 Sep
- 412,880.15
- Outstanding cheques
- -6,240.00
- Deposits in transit
- 6,240.00
- Adjusted bank balance
- 412,880.15
- Ledger balance, 1010 Operating
- 412,880.15
Architecture
Statements on one side. Entries on the other.
Lines from every source are compared with the ledger by one matcher. Matches post, exceptions queue, and certification locks the result.
Statements
- Plaid bank feeds
- CSV and statement files
- Card accounts
- Stripe payouts
Matching
- Continuous matcher
- Splits and settlements
- Exceptions queue
- Learning from corrections
Books
- Matched entries
- Fees and refunds
- Certified reconciliation
- General ledger
Capabilities
What reconciliation covers.
Bank feeds
Plaid, or CSV and statement files.
Card accounts
Credit card lines matched to receipts and bills.
Stripe
Payouts split into charges, refunds and fees.
Continuous matching
Lines compared with entries as they arrive.
Splits and settlements
Many to one and one to many.
Exceptions queue
Candidates and a suggested action on every line.
Bank rules
Recurring charges coded once and applied after.
Certification
A signed reconciliation per account and period.
Learned matching
Your corrections shape the next proposals.
Keep going with the rest.
Accounts payable
Bills coded, matched, approved and paid.
Learn moreAccounts receivable
Invoices, collections and cash applied.
Learn moreClose management
A checklist built from the work itself.
Learn more
Questions
Questions, answered.
What is bank reconciliation?
Bank reconciliation is comparing your bank statement with your ledger and explaining every difference. When the adjusted bank balance equals the ledger balance, the account is reconciled. Eternify Ledger does the comparison continuously and leaves the explaining to you.
How does Eternify Ledger reconcile Stripe payouts?
A Stripe payout is split into the charges, refunds and fees it contains. Each piece is posted to its own account and the deposit is matched to the bank line, so the payout reconciles to the cent.
Does the matcher learn from my corrections?
Yes. When you change a proposed match or code a recurring line, that choice shapes the next proposals for the same counterparty. Each proposal still needs a person to confirm it.
Can I connect my bank, or do I upload files?
Both. Bank feeds connect through Plaid. For an account Plaid does not reach, you upload a CSV or a statement file and it is matched the same way.
Reconcile one account on a call.
Bring a month of bank lines. We connect or import them and work through the matches and exceptions with you.