Books matched to bank activity daily, with exceptions routed for review.
Continuous reconciliation that matches transactions the day they post and routes exceptions for review — so month-end is 2 exceptions, not 200.
FinXteam prepares review-ready outputs — it does not replace a licensed CPA. You or your invited CPA approve all final books, filings, and decisions.
Unlocked on
Starter plan
Proof point
< 2 min / avg time to clear month-end exceptions
Cleared
128
+3 today
Exceptions
2
Needs review
The problem
Month-end reconciliation is a forensic exercise — chasing $0.37 differences across three accounts at midnight.
Month-end reconciliation is the most loathed task in small-business accounting. You sit down with a bank statement and a ledger printout and start chasing differences: a $0.37 variance here, a $1,240 deposit that didn't hit until the 3rd of the next month there, a Stripe payout where the gross + fee split lands on different days.
The reason it's painful is the batch. Most bookkeeping tools reconcile once at month-end, so by the time you sit down to fix it, you're looking at 200+ items, half of which you no longer remember the context for.
Hiring this out doesn't actually fix it — it just moves the cost. The bookkeeper still has to do the same work; you still get pinged with "what was this charge?" emails. The bottleneck is the batch, not the labor.
How Reconciliation solves it
The Reconciliation Agent matches every cleared transaction the day it posts. By month-end, you're looking at a queue of 2–3 exceptions, not 200.
The Reconciliation Agent works continuously. Every time a bank statement line posts, it tries to match it against an open ledger entry — or against a Stripe / Shopify / Square payout that already arrived in your books. The match runs on amount, date proximity, descriptor, counterparty, and learned rules.
Matches that pass the confidence gate clear automatically. Borderline matches go to an exception queue with the AI's reasoning attached: "92% match to invoice #1042 — same vendor, $0.37 off due to bank wire fee." One click to approve.
By month-end, your queue has 2–5 truly novel exceptions, not 200. And every learned exception trains the rule engine, so next month it's 2.
What this agent ships
- Continuous (daily) reconciliation, not month-end batch
- Rule builder for recurring matches
- Exception queue with AI-explained variances
- Payment processor payout reconciliation (Stripe, Square, etc.)
- Bank deposit ↔ POS sale matching
Behind the scenes
The shipped tools powering Reconciliation
Every capability below maps to working code in FinXteam AI's API. We don't ship vapor — if it's listed, it's live.
Continuous bank reconciliation engine
Runs on every new statement line, not just at month-end.
Rule builder
Define matching rules in plain English; the engine codifies them.
AI exception explanations
Every unmatched item shows why it didn't auto-clear.
Processor payout reconciliation
Stripe / Shopify / Square gross + fee splits handled.
Bank deposit ↔ POS sale matching
For retail and restaurants.
Reconciliation sessions + audit trail
Every match logged with reasoning, retained 7 years.
Ask FinXteam AI
Try saying something like this
Reconciliation answers natural-language questions about your books. No SQL, no menus to hunt through.
“Why didn't the $4,840 wire from Acme Corp match invoice #1042?”
“Show me every unreconciled item over $500.”
“Build a rule that auto-matches Stripe payouts against the prior week's sales.”
“What's my month-end exception queue look like?”
Inputs → Outputs
What goes in. What comes out.
Data inputs
- Bank statement lines
- Ledger journal entries
- Processor payouts (Stripe, Square, etc.)
- Manual reconciliation rules
What it produces
- Reconciled transactions
- Exception queue with AI reasoning
- Reconciliation session with full audit trail
- Variance report by account
Pairs well with
Reconciliation doesn't work alone
These agents hand off to each other. Their data flows continuously across the eight specialists.
Bookkeeping
Every dollar, in the right account, without the data entry.
Pulls transactions from your bank and processors, categorizes them with high first-pass accuracy, and stores and matches receipts automatically.
- 12,000+ US banks and credit cards, read-only
- Stripe, Shopify, Square, PayPal, Amazon import
- AI categorization with confidence gating
Accounting
Accruals, prepaids, depreciation, close — without the GAAP migraine.
AI-proposed accruals with paired reversals. Prepaid amortization. Fixed asset depreciation. 1-click month-end and year-end close.
- AI-proposed accruals (with paired reversals)
- Prepaid amortization calendar
- Deferred revenue recognition schedules
Put reconciliation on autopilot.
Connect your bank in two minutes. Reconciliation starts working immediately — and the other seven agents come along for the ride.