Invoice vs Payment Reconciliation
Match payments received against invoices raised, and find the short payments, overpayments and unallocated cash sitting in your receivables.
Nothing you paste leaves this page. Parsing and matching happen in your browser.
How it works
Payments are grouped by the invoice reference they quote and totalled, then compared against the invoice. That handles the common real-world case where one invoice is settled by several instalments, and where one remittance covers several invoices.
The interesting output is not the paid invoices — it is the short payments. A customer paying 98% of an invoice has usually deducted something: a disputed line, a settlement discount taken without agreement, or a withholding tax. Those deductions are invisible in a total and obvious in a per-invoice table.
Status = compare Σ payments quoting an invoice against that invoice’s value
- Short paid — the customer paid less than the invoice
- Overpaid — more was received than the invoice asked for
- Unallocated — a payment quoting no invoice we can find
Worked example
6 invoices totalling 218,000 against 7 payments totalling 203,400
Inputs
Results
Two short payments and one unallocated receipt. The unallocated one usually turns out to belong to a short-paid invoice.
Frequently asked questions
What format should I paste?
Copy straight out of a spreadsheet, or paste CSV. A header row is optional — columns are identified by their headings when present and by their content when not. Dates, references and amounts are detected automatically, and amounts may carry currency symbols, thousands separators or accounting parentheses.
How do payments get matched to invoices?
By the reference quoted on the payment. Punctuation and case are ignored, so INV-1001 matches inv1001. Payments quoting nothing recognisable are reported as unallocated rather than being guessed at.
Why is an invoice short paid by a small amount?
Most often a settlement discount taken without agreement, a withholding tax deduction, or bank charges deducted from the transfer. All three are worth spotting early, because they set a precedent if left unchallenged.
Can one payment cover several invoices?
Yes, if it quotes several references — enter one line per invoice portion. A single lump sum quoting nothing will appear as unallocated cash, which is the honest result.
Is my ledger data uploaded anywhere?
No. Every line you paste is parsed and matched inside your browser. Nothing is transmitted to us, nothing is stored, and closing the tab discards it. That is the whole reason this tool exists in this form.
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