Reconciles

Credit card reconciliation software for corporate card statements

Credit card reconciliation software matches every charge on a corporate card statement to the expense recorded in your books, then ties the statement balance to the payment that left your bank. Reconciles reads card statement exports, matches charges, refunds and fees, and sends unrecorded or duplicated charges to a short exceptions queue.

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Corporate card reconciliation from statement to ledger

A card account is reconciled like a bank account, with more lines and less detail. Reconciles handles both sides.

  • Card charges matched to expense entries or bills in your ledger export.
  • Merchant refunds and credits matched to the original charge.
  • Foreign transaction fees and annual fees grouped for one entry.
  • The monthly card payment from the bank matched to the statement balance it pays.
  • Charges for each cardholder kept apart when the statement covers several cards.

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Why card reconciliation takes longer than it should

Merchant names that look nothing like the vendor

A card statement shows a processor descriptor, a city and a terminal number instead of the vendor you know. Fuzzy payee matching and saved rules connect the descriptor to the vendor, and the next month it happens automatically.

Charges recorded in another currency

A hotel bill entered in euros and charged in dollars never matches exactly. The pair is matched within tolerance and the conversion difference is labeled on its own.

Posting date versus transaction date

Card statements carry two dates and your expense entries carry a third. Date windows keep these together and flag only real gaps.

Missing expense entries

A charge with no entry in your books is the most common card exception. It goes to the queue as unmatched, with merchant, cardholder and amount, ready to be chased.

Split and recurring charges

One charge recorded as two expense lines is matched as a group. Recurring subscriptions can be paired by a saved rule, the same way automated reconciliation software handles routine matches.

How credit card reconciliation works

  1. 01 Parse

    Upload the card statement export in CSV, XLSX, OFX or QFX next to your ledger or expense export. PDF statements are accepted after signup.

  2. 02 Normalize

    Charges and credits are turned into signed amounts, dates aligned and merchant descriptors cleaned into readable names.

  3. 03 Match

    Saved rules run first, then exact matches, split charges, tolerance, date windows and fuzzy merchant names. AI suggestions cover unclear pairs with a confidence score and a reason.

  4. 04 Exceptions

    Whatever is left goes to the queue. Nothing posts to your ledger without review.

Card exceptions by type

  • Unmatched a charge with no expense entry, or an entry with no charge.
  • Partial a charge recorded only in part.
  • Duplicate a charge entered twice, or entered both as a card expense and as a bill.
  • Amount difference a charge that differs from the entry by a conversion difference or a tip.
  • Date difference a charge recorded in a different period than it was posted.

On Growth, unmatched charges can be assigned to the cardholder's manager with comments. On Scale every resolution goes through approvals and lands in the audit log.

Card reconciliation report and entries

Export the card reconciliation report in XLSX or PDF with the statement balance, matched charges, outstanding items and the reconciled balance. On Growth, journal entries for fees, conversion differences and missing expenses go out as CSV for QuickBooks and Xero, and on Scale for NetSuite. The card payment match ties into your bank reconciliation software run, and the card liability account feeds your balance sheet reconciliation. For the expense side across vendors see accounts payable reconciliation.

Which plan fits your card program

Each card account counts as one account. Starter covers 3 accounts, for example one operating bank account and two card accounts. Growth covers 15 accounts with assignment, comments and journal entries for QuickBooks and Xero. Scale covers 60 accounts across 25 entities with approvals, the fit for companies with cards issued in several subsidiaries.

See pricing

Starter $74 per month, billed yearly Growth $199 per month, billed yearly Scale $499 per month, billed yearly

Credit card reconciliation questions

Reconcile last month's card statement

Upload a card statement and your expense export and see which charges are missing in minutes.

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