Best Payment Reconciliation Software in 2026
Updated
In short: UnPay Loan Management System is ranked #1 of 26 as of 5 October 2026, ahead of BankStatementMatcher and ReconcileIQ. The best-ranked option with a free plan is BankStatementMatcher. The lowest first paid tier on this page is ReconcileIQ at £5/mo.
Matching incoming payments to invoices and accounting records is the core job of reconciliation software. Compared on automatic matching and invoice reconciliation, these options also differ in bank connections, payment processors, and accounting integrations. API access and multi-currency support may matter for the systems and transactions you handle; free-plan availability and paid-from pricing add cost context. UnPay Loan Management System, BankStatementMatcher, and ReconcileIQ are among the entries. Check which payment sources and accounting records you need to bring together, then compare the listed capabilities and integrations against that workflow.
26 payment reconciliation software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
26ranked
4free plans on this page
£5/molowest paid tier
5 Oct 2026last checked
Input list Payment Reconciliation Software 25 channels on this page · 106 of 200 spec lines stated by the makers
Ch Tool Free planPaid fromAutomatic matchingBank connectionsPayment processorsAccounting integrationsInvoice reconciliationMulti-currency support Spec sheet Score
01 UnPay Loan Management System Free planYesPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorspayment gateways; UPI; NPCIAccounting integrationsTally; SAP; NetSuiteInvoice reconciliationYesMulti-currency supportnot stated 5/8spec lines stated 7.7
02 BankStatementMatcher Free planYesPaid from$9.99/moAutomatic matchingYesBank connectionsnot statedPayment processorsStripe, Adyen, Worldpay, SumUp, ZettleAccounting integrationsXero, QuickBooksInvoice reconciliationYesMulti-currency supportnot stated 6/8spec lines stated 7.4
03 ReconcileIQ Free planYesPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsnot statedAccounting integrationsQuickBooks, Xero, Sage, Pandle, FreeAgent, YNABInvoice reconciliationYesMulti-currency supportYes 5/8spec lines stated 7.4
04 Fihary Free planYesPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsMVola, Orange Money, Airtel MoneyAccounting integrationsSage 100, OdooInvoice reconciliationnot statedMulti-currency supportnot stated 4/8spec lines stated 7.1
05 Invoiced Free plannot statedPaid fromnot statedAutomatic matchingnot statedBank connectionsnot statedPayment processorsnot statedAccounting integrationsnot statedInvoice reconciliationnot statedMulti-currency supportnot stated 0/8spec lines stated 6.7
06 Ledge Cash Application Free plannot statedPaid fromnot statedAutomatic matchingYesBank connections1 connectionsPayment processorsStripe, Adyen, PayPal, Braintree, ConexPay, EBANX, GoCardless, CheckoutAccounting integrationsNetSuite, QuickBooks, SAP S/4HANA, Sage Intacct, Xero, Microsoft Dynamics 365Invoice reconciliationYesMulti-currency supportYes 6/8spec lines stated 6.6
07 OCTA AP Automation Free plannot statedPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsStripe, Tap Payments, Mamo Pay, Paymob, Hyperpay, STC Pay, Telr, Noon Payments, Mada, SADADAccounting integrationsXero, QuickBooks Online, Zoho Books, Wafeq, FreshBooks, Oracle Fusion Cloud, NetSuite, Microsoft Dynamics 365 Business Central, OdooInvoice reconciliationYesMulti-currency supportYes 5/8spec lines stated 6.6
08 Centime AP Automation Free planNoPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsnot statedAccounting integrationsIntuit QuickBooks; Oracle NetSuite; Sage Intacct; Microsoft DynamicsInvoice reconciliationYesMulti-currency supportnot stated 4/8spec lines stated 6.5
09 EasyReco Free planNoPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsnot statedAccounting integrationsTally, QuickBooks, Xero, NetSuite, SAPInvoice reconciliationYesMulti-currency supportYes 5/8spec lines stated 6.5
10 Aritma Reconciliation Free planNoPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsnot statedAccounting integrationsVisma Business, Visma Global, Uni Micro V3, Uni Economy, InfoEasy (Vitec), Navision, AxaptaInvoice reconciliationYesMulti-currency supportYes 5/8spec lines stated 6.4
11 Embat Bank Reconciliation Free planNoPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsStripe, PayPal, Adyen, Redsys, Worldpay, Mercado Pago, Checkout, FB500, Nuvei, American ExpressAccounting integrationsSAP S/4HANA, SAP ECC, SAP Business One, Oracle NetSuite, Microsoft Dynamics AX, Microsoft Business Central, Microsoft Dynamics F&O, Microsoft Navision, Sage Intacct, DATEV, Workday, Odoo, Holded, Ekon, Zoho ERPInvoice reconciliationYesMulti-currency supportYes 6/8spec lines stated 6.4
12 BlackLine Cash Application Free plannot statedPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsNuveiAccounting integrationsSAP, Oracle, Oracle NetSuite, Microsoft Dynamics, Workday, Acumatica, SageInvoice reconciliationYesMulti-currency supportYes 5/8spec lines stated 6.3
13 Versapay Free plannot statedPaid fromnot statedAutomatic matchingnot statedBank connectionsnot statedPayment processorsnot statedAccounting integrationsnot statedInvoice reconciliationnot statedMulti-currency supportnot stated 0/8spec lines stated 6.3
14 SyncPay Free planNoPaid from$149/moAutomatic matchingYesBank connectionsnot statedPayment processorsnot statedAccounting integrationsnot statedInvoice reconciliationYesMulti-currency supportYes 5/8spec lines stated 6.2
15 LexaVero Free planNoPaid fromnot statedAutomatic matchingYesBank connections0 connectionsPayment processorsnot statedAccounting integrationsnot statedInvoice reconciliationnot statedMulti-currency supportnot stated 3/8spec lines stated 6.1
16 Serrala Alevate AR Cash Application Free plannot statedPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsnot statedAccounting integrationsSAP, Microsoft Dynamics 365, NetSuite, IFS, Sage, Infor, Workday, Epicor, Unit4, QAD, Acumatica, OracleInvoice reconciliationYesMulti-currency supportYes 4/8spec lines stated 6.0
17 Loopfour Payment Reconciliation Free plannot statedPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsStripeAccounting integrationsQuickBooks, NetSuite, Sage Intacct, XeroInvoice reconciliationYesMulti-currency supportnot stated 4/8spec lines stated 5.9
18 Mirakl Payout Free plannot statedPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsMangopay; existing payment service providersAccounting integrationsnot statedInvoice reconciliationnot statedMulti-currency supportYes 3/8spec lines stated 5.9
19 Trintech Accurate Reconciliation Free plannot statedPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsnot statedAccounting integrationsSAP, Oracle, Workday, NetSuite, Microsoft DynamicsInvoice reconciliationnot statedMulti-currency supportYes 3/8spec lines stated 5.9
20 Reconciler Free planNoPaid from$49/moAutomatic matchingYesBank connections1 connectionsPayment processorsStripe, PayPal, SquareAccounting integrationsQuickBooks, Xero, NetSuite, Sage Intacct, Business CentralInvoice reconciliationYesMulti-currency supportnot stated 7/8spec lines stated 5.8
21 SettleFlow Free planNoPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsRazorpay, Cashfree, PayU, Paytm, PhonePeAccounting integrationsZoho Books, Tally, QuickBooksInvoice reconciliationYesMulti-currency supportnot stated 5/8spec lines stated 5.8
22 Transformance ClearMatch Free plannot statedPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsnot statedAccounting integrationsSAP, Oracle, NetSuite, Microsoft DynamicsInvoice reconciliationYesMulti-currency supportYes 4/8spec lines stated 5.7
23 Recon-X Free planNoPaid from$199/moAutomatic matchingYesBank connectionsnot statedPayment processorsStripe, PayPal, AdyenAccounting integrationsNetSuite, SAP, QuickBooks, XeroInvoice reconciliationnot statedMulti-currency supportYes 6/8spec lines stated 5.6
24 SettlePair Free planYesPaid fromnot statedAutomatic matchingYesBank connectionsnot statedPayment processorsnot statedAccounting integrationsnot statedInvoice reconciliationYesMulti-currency supportnot stated 3/8spec lines stated 5.6
25 Flywheel by Sellistix Free planNoPaid from$39/moAutomatic matchingYesBank connectionsnot statedPayment processorsnot statedAccounting integrationsnot statedInvoice reconciliationnot statedMulti-currency supportnot stated 3/8spec lines stated 5.5
Compare all 25 in a table
| # | Tool | Score | Free plan | From | Free plan | Paid from | Automatic matching | Bank connections |
|---|---|---|---|---|---|---|---|---|
| 1 | UnPay Loan Management System | 7.7 | Free plan | Free | Yes | — | Yes | — |
| 2 | BankStatementMatcher | 7.4 | Free plan | $9.99/mo | Yes | 9.99 /mo | Yes | — |
| 3 | ReconcileIQ | 7.4 | Free plan | £5/mo | Yes | — | Yes | — |
| 4 | Fihary | 7.1 | Free plan | MGA 19,000/mo | Yes | — | Yes | — |
| 5 | Invoiced | 6.7 | No | — | — | — | — | — |
| 6 | Ledge Cash Application | 6.6 | No | — | — | — | Yes | 1 connections |
| 7 | OCTA AP Automation | 6.6 | No | — | — | — | Yes | — |
| 8 | Centime AP Automation | 6.5 | No | — | No | — | Yes | — |
| 9 | EasyReco | 6.5 | No | — | No | — | Yes | — |
| 10 | Aritma Reconciliation | 6.4 | No | — | No | — | Yes | — |
| 11 | Embat Bank Reconciliation | 6.4 | No | — | No | — | Yes | — |
| 12 | BlackLine Cash Application | 6.3 | No | — | — | — | Yes | — |
| 13 | Versapay | 6.3 | No | — | — | — | — | — |
| 14 | SyncPay | 6.2 | No | $149/mo | No | 149 /mo | Yes | — |
| 15 | LexaVero | 6.1 | No | — | No | — | Yes | 0 connections |
| 16 | Serrala Alevate AR Cash Application | 6.0 | No | — | — | — | Yes | — |
| 17 | Loopfour Payment Reconciliation | 5.9 | No | — | — | — | Yes | — |
| 18 | Mirakl Payout | 5.9 | No | — | — | — | Yes | — |
| 19 | Trintech Accurate Reconciliation | 5.9 | No | — | — | — | Yes | — |
| 20 | Reconciler | 5.8 | No | — | No | 49 /mo | Yes | 1 connections |
| 21 | SettleFlow | 5.8 | No | — | No | — | Yes | — |
| 22 | Transformance ClearMatch | 5.7 | No | — | — | — | Yes | — |
| 23 | Recon-X | 5.6 | No | — | No | 199 /mo | Yes | — |
| 24 | SettlePair | 5.6 | No | — | Yes | — | Yes | — |
| 25 | Flywheel by Sellistix | 5.5 | No | — | No | 39 /mo | Yes | — |
Is your tool on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
Questions about this list
Which payment reconciliation software is ranked first on Specifiction?
UnPay Loan Management System is ranked #1 of 26 with a score of 7.7. BankStatementMatcher is second and ReconcileIQ third.
How many of these have a free plan?
4 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, ReconcileIQ has the lowest first paid tier we found: £5/mo.
How is this list ranked?
Ranked on what each maker publishes, the fullest spec sheet first: how deeply the product is documented, the platforms it runs on, a free tier or trial to test it, and its standing.
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