| name | payment-reconciliation |
| description | Use when matching payments, deposits, processor payouts, remittance advice, bank activity, invoices, credit memos, and unapplied cash for finance operations. |
Payment Reconciliation
Use this skill to match cash activity to invoices and identify reconciliation exceptions.
Inputs
- Bank export, processor payout report, or payment gateway export.
- Invoice register, AR subledger, customer IDs, and payment references.
- Remittance advice, lockbox files, or customer emails.
- FX rates, fees, chargebacks, refunds, credits, and unapplied cash reports if available.
Workflow
- Normalize dates, currencies, customer names, references, invoice IDs, and amounts.
- Match using strongest evidence first: invoice ID, payment reference, customer ID, exact amount, remittance detail, then fuzzy name/date/amount matching.
- Separate fees, refunds, chargebacks, FX variance, partial payments, and overpayments.
- Assign match confidence: exact, strong, probable, weak, or unmatched.
- Prepare an exception list for manual review.
Output
Return:
- Reconciliation summary: matched amount, unmatched amount, fees, refunds, and material exceptions.
- Match table with payment, invoice, amount, date, confidence, and evidence.
- Unmatched cash and unapplied credit queue.
- Recommended journal or subledger action as a draft only, never posted.
Guardrails
- Do not post entries, apply payments, issue refunds, or write off balances.
- Do not force-match weak evidence to clear a variance.
- Preserve original transaction IDs and source filenames.
- Flag duplicate payments and suspicious activity for human review.
