Reconciles is reconciliation software for small businesses that have outgrown the reconcile screen in QuickBooks or Xero. It matches your bank statement to payouts from Stripe, Shopify, PayPal or Amazon and to your invoices, explains every match and leaves only the real exceptions for you. Plans start at $74 per month billed yearly, with no sales call and no setup project.
Your files are processed in your browser and never stored. No card needed.
For a business with one bank account and a few dozen transactions a month, the reconcile tool inside your accounting system is usually enough. The trouble starts when the money arrives in batches. A single Stripe or Shopify deposit can hold two hundred orders minus fees and refunds, and your bank feed shows it as one line with nothing to match against.
That is the point where the owner or the part-time bookkeeper starts exporting files into a spreadsheet every month. It works until someone is on vacation, a refund lands in the next payout, or the bank balance is off by $63.40 and nobody can say why.
Upload a bank statement in CSV, XLSX, OFX, QFX, MT940 or CAMT.053 and a second file such as a payout report, an invoice export or a ledger export from QuickBooks Online or Xero. PDF statements are read after you create an account.
Payouts are split into charges, refunds and fees and matched to the deposit. Partial payments, one payment for several invoices and small date or amount differences are grouped and matched within tolerances you set.
Each pair shows a reason, such as "payout batch net of fees" or "same amount, date within 2 days", and a confidence score, so your bookkeeper reviews instead of redoing the work.
What is left is sorted into unmatched, partial, duplicate, amount difference and date difference. You see the exact gap on each line and resolve it once.
Save a rule for the lines that repeat every month, like your software subscriptions or the monthly loan payment, and it runs before anything else next time.
Download the reconciliation report as XLSX or CSV for your CPA. On Growth, approved matches export as journal entries for QuickBooks and Xero.
Download this month's bank statement and the second source, for example the Stripe payout report or your open invoices list from QuickBooks.
Both files are read in your browser. You see how many lines were read from each file before anything is matched.
Check a sample of matches and their reasons. Accept them in bulk once you trust the pattern.
Work through the short list of exceptions, then export the report for your records or your accountant.
Most small businesses choose between three options. The table shows where each one fits, so you can tell whether you need dedicated software at all.
| Built-in reconcile in QuickBooks or Xero | Spreadsheet | Reconciles | |
|---|---|---|---|
| Best for | One or two accounts, payments that arrive one by one | Occasional one-off checks | Batched payouts, invoices and several accounts |
| Processor payouts net of fees | Shown as one deposit to match by hand | Rebuilt with lookups each month | Split into charges, refunds and fees and matched to the deposit |
| Partial and combined payments | Matched by hand | Formulas built by hand | Grouped automatically within tolerances |
| Reason for each match | Not shown | Notes typed by hand | Reason and confidence score on every pair |
| Exceptions | Remaining lines in the feed | Whatever is left unhighlighted | Sorted by type with the exact gap |
| Cost | Included in your accounting plan | Paid in staff hours | From $74 per month billed yearly |
We would rather you keep your money than buy a tool you will not use. If you have one or two bank accounts, fewer than a few hundred transactions a month and customers who pay invoices one at a time, the reconcile screen in QuickBooks Online or Xero does the job. Our guide to bank reconciliation in QuickBooks walks through it. Come back when payouts, partial payments or a second entity start pushing you into spreadsheets.
Most small businesses start on Starter at $74 per month billed yearly or $149 monthly. It covers 3 bank and payment accounts, 3,000 transactions matched per month, 3 seats, bank and invoice matching and one processor. Businesses that sell through several channels or want journal entries for QuickBooks and Xero move to Growth at $199 per month billed yearly. Every limit is on the pricing page.
The best reconciliation software for a small business is the one that handles the way your money actually arrives. If customers pay one by one, the built-in reconcile in QuickBooks or Xero is enough. If you receive processor payouts, marketplace settlements or partial payments, choose a tool that splits batches and explains each match, then test it on a real month of your own files.
Reconciliation software for small businesses ranges from the reconcile feature already included in your accounting plan to enterprise close suites priced by quote. Reconciles publishes its prices: Starter costs $74 per month billed yearly or $149 monthly for 3 accounts and 3,000 matched transactions a month, with no setup fee.
QuickBooks Online matches bank feed lines to existing transactions and suggests matches, but you still reconcile each account on the Reconcile screen. It does not split a Stripe or Shopify payout into orders and fees, so batched deposits and partial payments are usually matched by hand or in a spreadsheet.
At least once a month, as soon as the bank statement closes, so errors and fraud are caught while they are still easy to trace. Businesses with high card or payout volume often reconcile weekly, which keeps each run small and makes month end close a short review.
No. Owners who keep their own books use Reconciles directly, because every match comes with a plain reason. Many small businesses still share the exported report with their CPA at month end or at tax time, which makes the accountant's review faster.
Files you drop on the home page are processed in your browser and are not stored. In an account, files are encrypted in transit and at rest, and a data processing agreement is available. Details are on the security page.
Upload a bank statement and a payout or invoice file and see your own matches before you pay for anything.
Your account is saved and you are logged in. Your result now shows one more page of matched rows. You also get one more sample run of up to 500 lines.
To reconcile full months, open your workspace with a plan.
Choose a planStarter plan selected
Your account is saved and you are logged in. Pay by card on the next page and your workspace opens right away.
$74 per month, billed $888 yearly
$149 per month, billed monthly
Growth plan selected Scale plan selected
Your account is saved with this plan and you are logged in.
Full workspaces open in batches. We will email you the next steps for your plan as soon as yours is ready.
Your account is saved and you are logged in. You can now run one sample reconciliation of up to 500 lines.
To reconcile full months, open your workspace with a plan.
Reconcile now Choose a planEvery plan includes the matching engine, the exceptions queue and exports. Pay yearly and save 50%.
Starter
$74 per month, billed $888 yearly
$149 per month, billed monthly
Growth
$199 per month, billed $2,388 yearly
$399 per month, billed monthly
Scale
$499 per month, billed $5,988 yearly
$999 per month, billed monthly
Cancel any time. Your plan stays active until the end of the paid period.