Bank reconciliation with AI: statement and ERP matching every day
Reconciliation is left for month-end and turns into a full week of an analyst reading the statement line by line. A bank fee nobody posted, a card fee different from the contracted one, a transfer between accounts that shows up twice. By the time the difference is found, the month has closed.
Bank reconciliation with AI, step by step
Statements read daily
The agent imports bank statements, acquirer files and corporate card files every day and organizes each movement by account and company.
Matching by rule and by context
Beyond amount and date, the agent uses history, tax ID, description and each bank's patterns to match entries, including grouped and partial payments.
Differences with an explanation
What does not match becomes an open item with the probable cause, such as an unposted fee, a card MDR fee above the contract or a duplicate entry, for the analyst to decide.
Adjustments with approval
The agent proposes the adjusting entries in the ERP and runs them only after the owner approves, leaving everything on record for the audit.
Less repetitive work. More control.
- Daily reconciliation instead of a month-end marathon
- Analysts focused only on exceptions
- Card fees and bank charges under control
- A close with balances that match the bank
Systems used in this solution
Ready-made AI teams for this work
Bank reconciliation team
Bank lines, Stripe payouts and ledger entries are matched each morning. You only see what did not match, with a reason.
Accounts payable team
Invoices arrive by e-mail and in shared folders. The team reads them, checks them and lines them up for your approval before the due date.
Collections team
Before and after each due date, customers get a clear reminder with a payment link. Disputes and promises to pay go to your team.
Cash flow forecast team
Every week the projection is rebuilt from your books, open invoices and bills, with a plain note on what changed and why.
Bookkeeping team
Transactions are categorized as they come in, receipts are matched, and the month-end close starts with a short list of questions.
Questions about bank reconciliation with AI
Does the AI post to the ERP without asking?
Only the entries you authorize as automatic, such as exact matches. Adjustments and differences go through human approval before they enter the system.
Does it reconcile cards and acquirers too?
Yes. The agent compares sales, fees and settlements from the acquirers with what was posted and flags charges outside the contract. Cielo and Stone are Brazilian acquirers.
How does the bank integration work?
Through the bank's API when available, or through OFX and CNAB files. The agent has read-only permission on the accounts and does not move money.
Does it suit a company with many accounts and legal entities?
That is exactly where it helps most. The agent separates by company, account and bank and shows the status of each reconciliation in one place.
