Card-to-bank reconciliation, automated
Card-to-bank reconciliation, automated
Structured data matching that turns hours of manual reconciliation into minutes. 10+ fields per transaction make automated matching possible at high accuracy — reducing exceptions to the true edge cases.
Reconciliation is the #1 bottleneck in the close cycle
Finance teams spend hours matching card transactions to bank settlements manually — cross-referencing amounts, dates, and raw merchant descriptions that don't match between systems.
The problem isn't the matching logic. It's the data. Aggregated bank feeds deliver limited, inconsistently formatted fields. Card network data gives you 10+ structured fields — making automated matching dramatically more accurate.
Structured data matching, not guesswork
Auto-Reconciliation pairs Astrada's card transaction data with bank settlement records, matching on structured fields to reconcile automatically — and flagging the true exceptions for human review.
Card transactions flow in
Transaction data arrives via webhooks with 10+ structured fields — merchant name, MCC, amount, terminal ID, timestamps, and more.
Bank account connected
Bank settlement data is synced via bank enrollment. The system now has both sides of every transaction — card network data and bank records.
Auto-match with confidence
Algorithmic matching on multiple fields produces a confidence score for each pair. High-confidence matches (90%+) auto-reconcile. Handles pre-auth → final amount changes and FX conversions automatically.
Exceptions flagged
Only the true edge cases — pending transactions, partial matches, unusual amounts — are surfaced for human review with full context.
More fields, fewer exceptions
Reconciliation accuracy is directly proportional to data quality. Richer fields mean more matching dimensions and fewer false negatives.
Pre-auth → final amounts
Gas stations authorize for $1.00, then settle for $67.32. Hotels hold $500, charge $412. Structured data tracks the full lifecycle from authorization to final settlement, matching correctly even when amounts change.
FX conversions
An employee books a hotel in euros (€85.00) but the bank statement shows $94.52. Auto-Reconciliation has both the transaction currency and billing currency, matching across the conversion automatically.
Multi-field matching
Instead of fuzzy-matching raw bank descriptions like "UBER *TRIP HELP.UBER.COM," match on structured merchant ID, MCC, terminal ID, amount, and timestamp simultaneously — dramatically reducing false matches.
Join the early access program
We're working with a select group of design partners to refine Auto-Reconciliation before general availability. If reconciliation is a bottleneck for your platform or your customers, we'd like to hear from you.
See automated matching in action
Step through the reconciliation flow — from card transactions arriving to automated matching with bank settlement data.
Start with the data. Add reconciliation when you're ready.
Auto-Reconciliation builds on the Transaction Data API. Start with real-time card data — add automated matching as your platform needs it.