Reconciliation

Every payment, back in your books

Fynex posts each payment and payout to your accounting as a proper journal entry, scored for confidence — and breaks a PSP deposit back out into the orders behind it.

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Free to start. No contract. We'll show you what your finance stack is costing you.
ReconciliationToday
Order #48201 · Northwind Labs IncRef matched · 99%
$1,240
Order #48202 · Atlas Studios IncRef matched · 97%
$880
Refund · Order #47980Unmatched · needs review
$64
The problem

AP tools push money out and lose track of it

A PSP pays you one lump sum for a hundred orders. Your books expect a hundred lines. Someone spends Friday tying the two together by hand, and the close slips again.

Fynex closes the loop: it breaks the deposit back out, matches each order, scores the match and posts the journal — and tells you why anything didn't match.

Today's reconAuto
Auto-matched
1,284
Needs review
11
96% matched without a human.
How it works

How reconciliation runs on Fynex

Three steps from setup to settled — then it runs itself.

  1. 1

    Ingest the money

    Payments and PSP deposits land in Fynex with every reference attached, so nothing arrives without context.

  2. 2

    Match and score

    Fynex matches on reference first, falls back to heuristics on amount, date and payee, and scores how certain each match is.

  3. 3

    Post the journal

    Each match posts to Xero or QuickBooks as a journal entry. Anything below your threshold is flagged for review with the reason attached.

96%
matched without a human
1,284
entries posted today
1 → 142
deposit broken into orders
11
exceptions, each explained
What Fynex runs

The loop, closed

From a bulk PSP deposit to a booked journal entry, with reasoning on anything it can't match.

Exact

Reference-match first

Fynex matches each payment to its order on reference before anything else.

Matched on reference
Order #48201INV-48201
99%
Order #48204INV-48204
98%
Confidence

Heuristic fallback, scored

No clean reference? Fynex matches on amount, date and payee, and scores it.

Match confidence▴ Heuristic
94%
Amount + date + payee aligned.
Line by line

PSP deposit, broken out

Fynex splits one settlement into the individual orders and journal entries behind it.

Stripe payout · $9,420
142 orders
$9,612
Fees
-$192
Fast resolve

Exceptions explained

Anything unmatched comes with diagnostic reasoning so a human resolves it in seconds.

Needs review · 11
Refund · #47980No matching order ref
$64
Show, don't tell

This morning's reconciliation, already done

Fynex matched every payment it could, broke out the PSP deposit and posted the journals — leaving only what a human needs to see.

▴ 12.5%This quarter
Auto-matched1,284
Journals posted$312,400
Needs review11
The intelligence layer

The intelligence behind the match

Fynex reads every reference, amount and date, scores how sure it is, and explains anything it can't tie out, so one bulk deposit lands in your books as the hundred lines it really was, and a human only sees what truly needs a human.

Reference-match first, with a heuristic fallback on amount, date and payee
A confidence score on every match, so low-certainty pairs surface for review
PSP settlements broken out into individual orders and journal entries
Diagnostic reasoning on every unmatched item, so a human resolves it fast
Duplicate and anomaly detection across payments, refunds and fees
How we compare

The same job, with the leaks closed

Point tools solve part of it. Fynex runs the whole thing on one platform.

The problem
Other platforms
Recommended
!Tie a payment to its order
You match by hand, line by line.
Reference-matched, then scored.
!A PSP pays one lump sum
One line in, hundreds owed out.
Split back into every order.
!Get it into the accounting system
Re-keyed, or a flat CSV import.
Posted as a proper journal entry.
!Something doesn't reconcile
You hunt for the reason.
Flagged with the reason attached.
Everything you get

What else comes with it

Beyond the headline job, every account gets the whole platform behind it.

Reference matching

Each payment tied to its order.

Settlement breakout

One PSP deposit, split into orders.

Journal entries

Posted to Xero or QuickBooks.

Confidence scoring

Every match scored before it posts.

Cost allocation

Tag entries to project or matter.

Duplicate detection

Anomalies and double-postings flagged.

One platform, not a dozen

The money in, the books it posts to

PSPs and rails on one side, your accounting system kept in sync on the other.

100+ integrations

Accounting stack

13

Every payment, fee and payout lands in your ledger, coded and reconciled — nobody re-keys it.

QuickBooks
Xero
FreshBooks
Sage
Sage
NetSuite
NetSuite
Wave
Wave

Banks & business accounts

18

We read your balances and pay out of whichever account is cheapest — no bank portals, no copy-paste.

Revolut
Revolut
Wise
Wise
Mercury
Mercury
Brex
Brex
Airwallex
Airwallex
Ramp
Ramp

Invoicing & contracts

9

The contract sets the terms; we hold you to them — discounts, retention, caps, all applied before money moves.

DocuSign
DocuSign
PandaDoc
PandaDoc
Dropbox
Dropbox Sign
Adobe Acrobat Sign
Adobe Acrobat Sign
BILL
BILL
Invoice Ninja
Invoice Ninja

Payroll & contractors

12

Everyone you owe who isn't a supplier — crew, contractors, freelancers, in whatever currency they bank in.

Gusto
Gusto
Deel
Deel
Rippling
Rippling
Remote
Remote
ADP
ADP
Justworks
Justworks

Spend & expenses

8

Cards, receipts and subscriptions on the cost side of the same ledger.

Expensify
Expensify
Pleo
Pleo
Soldo
Soldo
Payhawk
Payhawk
Spendesk
Spendesk
Navan
Navan

Spreadsheets & docs

6

The spreadsheet you rebuild every month — we fill it, or replace it. Your call.

Google Sheets
Google Sheets
Excel
Microsoft Excel
Notion
Notion
Airtable
Airtable
Google Drive
Google Drive
Dropbox
Dropbox

Your customers pay however they already pay — Visa, Mastercard, American Express, Apple Pay, Google Pay, SEPA, bank transfer and open banking — through the provider you run today or through us.

Find what you're leaking, for free

Send us your setup. We run a free diagnostic and show you what your payment stack costs you today.

One recent diagnostic found €2M in hidden fees across 10 processors for a proptech client.
Get in touch
FAQ

Questions, answered

It matches on reference first — invoice number, order ID, payment reference. When there's no clean reference, it falls back to heuristics on amount, date and payee, and scores the match so you can see how certain it is.
Fynex breaks one settlement — say a single Stripe payout — back out into the individual orders behind it, nets off the fees, and posts each as its own journal entry.
Straight into your accounting system. Fynex posts to Xero and QuickBooks as proper journal entries, not a flat CSV import you have to re-key.
It's how certain Fynex is about a match. High-confidence matches post automatically; anything below your threshold is held for a human to confirm.
It's flagged as needs review with diagnostic reasoning — no matching order reference, amount mismatch, possible duplicate — so a person resolves it in seconds rather than hunting.
Yes. Entries can be tagged to a project, matter or client, so studios and agencies reconcile and allocate in one pass.
We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.We do Fridays so you don't have to.Payouts at midnight. You, asleep.Invoices that chase themselves. Ruthlessly.We carry the chargebacks. You carry on.

Close the loop. Every payment, back in your books

Get in touch
Spreadsheets, retired with honors.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favorite coworker never takes lunch.Spreadsheets, retired with honors.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favorite coworker never takes lunch.Spreadsheets, retired with honors.Month-end close, minus the month-end.FX fees, caught red-handed.Fewer tools. Fewer tabs. Fewer tears.Your CFO's favorite coworker never takes lunch.
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