SettlePair vs UnPay Reconciliation OS

SettlePair is a free browser tool that matches bank deposits to invoices from CSV exports. Its deterministic, rule-based scoring shows the evidence behind each result and leaves the final match decision to the user; it does not use AI. Payment exceptions can be handled by allocating partial payments, splitting one deposit across invoices or applying several deposits to one invoice. After review, users export a file named settlepair-reconciliation.csv. Invoice and bank files are parsed in the browser and never uploaded. An account for personal files stores an email address only. Payer rules and opted-in saved sessions stay on the user’s device, with saved sessions expiring after 30 days. SettlePair does not connect to banks or accounting systems, so users import CSV exports and record reviewed results themselves. It supports current desktop Chrome, Edge, Firefox and Safari, plus the same browser engines on mobile. Very large files depend on available device memory. The product targets small businesses, bookkeepers and accounts-receivable teams. Its beta plan costs nothing, with no subscription tiers or usage limits.

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