Bank reconciliation automation that runs every day, not at month-end
Bank lines, Stripe payouts and ledger entries are matched each morning. You only see what did not match, with a reason.
Reconciliation eats the first week of every month.
Someone downloads statements, lines them up against the ledger and hunts for a payment that was split, merged or posted twice. The errors show up at close, when they are hardest to explain.
- Controllers and finance managers closing books on QuickBooks or Xero
- Companies with many card, bank and Stripe transactions every day
- Accounting firms reconciling several client accounts each month
The agents
Reads bank lines through Open Finance feeds and matches them to ledger entries by amount, date, counterparty and reference. Writes the reason for every line it cannot close.
Breaks Stripe payouts into sales, fees and refunds so each deposit matches what was sold, and keeps the reconciliation tracker in Google Sheets.
Looks for duplicates, unusual amounts and entries without support, and sends the exceptions to a person before anything is posted.
How it works
- Every morning, Darwin pulls yesterday's bank and card lines and the open entries in QuickBooks or Xero.
- Clear matches are marked; partial and split payments get a suggested match and a note.
- Nina reconciles Stripe payouts against deposits, separating fees and refunds.
- Henry reviews the exceptions and sends you a short list in Slack, Teams or e-mail.
- You approve or correct each item, and only then are the entries posted to the ledger.
Example of what you get
Daily reconciliation pack
- Matched, suggested and open lines per bank account
- Each open item with the reason and a proposed entry
- Stripe payouts split into gross sales, fees and refunds
- Close checklist showing what still waits for approval
What changes
- The close starts with reconciled accounts, not a backlog
- Differences are found the day they happen, while the people involved remember
- Your finance team reviews exceptions instead of ticking lines
Where a person is still needed. The team does not pay, transfer money or change bank details, and it posts nothing without approval. Classification and tax decisions remain with your accountant.
Connects to
Bank reconciliation team
How does AI for bank reconciliation match transactions?
It compares amount, date, counterparty and reference, and learns your recurring patterns, such as a supplier that always pays in two parts. What it cannot match with confidence becomes an open item with a reason.
Is bank reconciliation automation software safe for our bank data?
The team uses read access to bank feeds and the official integrations of your accounting system. It cannot move money, posts only after approval, and logs every action with its cost.
Does account reconciliation automation work for card and Stripe accounts too?
Yes. Card statements and Stripe balances are reconciled the same way as bank accounts, with fees and refunds separated so totals make sense.
How long does it take to set up bank reconciliation automation?
Connect QuickBooks or Xero, your bank feeds and Stripe, then choose the accounts and the approvers. That is usually one working session. Try it free on one account before adding the rest.
Can AI reconcile bank accounts daily instead of at month end?
Yes, that is how the team works. Every morning Darwin pulls the previous day's bank and card lines and matches them, so open items are small and recent when you look at them. Month end then starts with a short list instead of a full month of lines.
What happens with payments that are split, merged or partial?
Darwin suggests a match that combines the lines or entries involved and writes a note explaining it. You confirm or correct the suggestion, and recurring patterns, such as a customer who always pays in installments, are recognized faster the next time.
What is the difference between a bank reconciliation AI agent and bank feeds in QuickBooks or Xero?
Bank feeds bring the lines in and suggest simple matches. The team goes further: it explains every line it cannot close, splits Stripe payouts into sales, fees and refunds, checks for duplicates and unsupported entries, and keeps a tracker of what is still open.
Can it handle several bank accounts and companies?
Yes. Each account and each company is reconciled separately, with its own approvers and its own line in the tracker. Agents only see the accounts they are granted, so a group of companies can keep access separated.
Who approves the entries before they reach the ledger?
You choose the approvers per account. Henry sends the exceptions to them in Slack, Teams or e-mail, and nothing is posted until a person approves or corrects each item. Every approval is recorded in the audit trail.
How do I know the reconciliation is working?
The daily pack shows matched, suggested and open lines per account, and the close checklist shows what still waits. Watch whether open items stay few and recent, and whether the close starts with fewer surprises than before.