Free Payment Reconciliation Tool (Bank & UPI)
Paste what you expect to receive and paste your bank or UPI statement. The tool matches them by amount plus invoice number or payer name, marks amount-only matches for you to confirm, and lists unpaid invoices and unknown credits.
QUICK ANSWERPayment reconciliation compares money you expected (invoices, fees, orders) with money that actually arrived (bank or UPI credits). Strong matches have the same amount and the reference or payer name in the narration; amount-only matches need a check; what is left is either unpaid or an unknown receipt. Paste both lists here to get that split in seconds.
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Want this synced, automatic and collecting payments?
- Same workflow in a free FastFee account, on every device and for your whole team
- Automatic WhatsApp reminders before and after due dates
- Payment links, UPI and AutoPay with auto receipts and live “paid” status
What you get free in the Payment Reconciliation Tool
- ✅ Paste any statement format
- ✅ Column matching
- ✅ Amount + reference / name match
- ✅ Probable matches to confirm
- ✅ Manual match
- ✅ Unknown credits list
- ✅ CSV export
Free alternative to reconciliation software
| Tool | What it costs | What you get free here |
|---|---|---|
| FastFee Payment Reconciliation Tool | ₹0, no limits | Paste any statement format · Column matching · Amount + reference / name match |
| Accounting software bank reco | Included in paid accounting plans | Paste-and-match reconciliation, free |
| Excel VLOOKUP | Free but breaks on narration text | Matches reference or name inside narration |
Prices are approximate starting prices seen on public pricing pages and app listings in 2026 and change often; check each provider for current plans. Product names belong to their owners. FastFee is not affiliated with them. Paid tools often include features this free tool does not, such as accounting, GST filing or multi-user sync.
How to use the Payment Reconciliation Tool
- STEP 1Paste expected paymentsCustomer, invoice or reference, and amount.
- STEP 2Paste the bank statementCopy the credit rows from your bank or UPI app statement and pick the date, narration and amount columns.
- STEP 3Review matchesStrong matches use amount + reference or name; amount-only matches are marked Check for you to confirm.
- STEP 4Fix and exportMatch leftovers manually, then export the reconciliation as CSV.
Frequently asked questions
Which bank statements work?
Any statement you can open in Excel: download from net banking or your UPI business app, copy the rows and paste. Pick the date, narration and credit columns once.
Is my statement uploaded anywhere?
No. Matching runs in your browser and the data stays on this device.
Is this tool free? Do I need to sign up?
Yes, it is completely free with no login and no limit on entries. Signing up for a free FastFee account is optional and adds sync across devices, team access, automatic reminders and online payment collection.
Where is my data stored?
Only in your browser on this device (local storage). Nothing is uploaded to FastFee. Clearing browser data deletes it, so export a CSV or PDF backup regularly.
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