SettlePair
SettlePair is a browser-based tool for matching bank deposits to invoices using CSV files.
What SettlePair is
SettlePair is a browser-based tool for matching bank deposits to invoices using CSV files. It uses deterministic, rule-based matching, shows the evidence behind each score and leaves the match decision to the user; it does not use AI. Users can handle payment exceptions by allocating a partial payment, splitting one deposit across invoices or applying multiple deposits to one invoice. A reviewed reconciliation can be exported as settlepair-reconciliation.csv. Invoice and bank files are parsed in the browser and are not uploaded. For users who create an account to work with their own files, the account stores an email address only; payer rules and opted-in saved sessions remain on the user's device, and saved sessions expire after 30 days. SettlePair does not connect to banks or accounting systems, so users import CSV exports and record the reviewed results themselves. It works with current desktop versions of Chrome, Edge, Firefox and Safari, and corresponding mobile browser engines. Very large files may be constrained by device memory. The product is aimed at small businesses, bookkeepers and accounts-receivable teams. It is free during beta, with no subscription tiers or payment collected.
Good
- Matching evidence is visible behind each score.
- Supports partial payments and split allocations.
- Files are parsed locally in the browser.
- Free beta has no usage limits.
- Exports reviewed reconciliations as CSV.
Watch out
- Does not connect to banks or accounting systems.
- Large files depend on available device memory.
- Email support has no guaranteed response time.
- No bug bounty or safe harbour for testing.
Who it suits
SettlePair is intended for small businesses, bookkeepers and accounts-receivable teams that reconcile deposits against invoices from CSV exports. It suits users comfortable reviewing matches and recording results themselves.
Verdict
SettlePair offers a free, rule-based way to review CSV-based invoice reconciliations, including partial and split payments. It does not automate bank or accounting-system connections, so users handle imports and recording the results themselves.
Plans and prices
From SettlePair's own pricing page, checked 15 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Free reconciliation | Free | Browser-only CSV parsing and scoring · Deterministic matching · Review queue · Partial, grouped and one-to-many allocations · CSV export · No usage limits · during beta |
The facts
Each one read from SettlePair's own pages, with the date it was checked.
What it does
- API and SDKs
- The published product pages describe no public API, SDK or developer integration surface.checked 15 Oct 2026
- Audience
- The pricing page describes the product as intended for small businesses, bookkeepers, and accounts-receivable teams.checked 9 Oct 2026
- Beta status
- SettlePair is described as an independent product in beta built and maintained by James F. Kollie, Jr.checked 15 Oct 2026
- Changelog: August 11 2026
- The August 11, 2026 release added payer-rule memory and opt-in session resume with 30-day expiry.checked 15 Oct 2026
- Changelog: August 18 2026
- The August 18, 2026 release added clearer confidence labels, evidence highlighting, keyboard review controls and the published scoring model.checked 15 Oct 2026
- Confidence bands
- Scores of 80 or more are labelled Strong evidence, 60–79 Likely, 45–59 Worth a look, and below 45 Not suggested.checked 15 Oct 2026
- CSV inputs
- The invoice file uses invoice number, customer, amount and issue date fields, with due date optional; the bank file uses date, description or reference and amount.checked 15 Oct 2026
- Customer similarity
- Customer-name overlap and edit distance contribute between 10 and 20 points when similarity exceeds the stated floor.checked 15 Oct 2026
- Data handling
- Invoice and bank files are parsed in the browser and are never uploaded; an account for own files stores an email address only.checked 9 Oct 2026
- Date signal
- A plausible payment date contributes between 1 and 10 points, while dates more than 60 days away contribute nothing.checked 15 Oct 2026
- Deterministic matching
- The same two files produce the same scores because matching uses fixed rules rather than statistical or AI models.checked 15 Oct 2026
- Documentation
- Documentation consists of the FAQ, workflow guide, scoring-model page, security page, terms, acceptable-use policy and changelog.checked 15 Oct 2026
- Exact amount signal
- A deposit matching the invoice total to the cent contributes 30 points.checked 15 Oct 2026
- Export
- The reviewed output is exported as settlepair-reconciliation.csv with allocation, decision, confidence and evidence fields.checked 15 Oct 2026
- File limits
- Very large files are limited by the available memory on the user's device.checked 9 Oct 2026
- File separators
- Comma-, semicolon- and tab-separated files are supported.checked 15 Oct 2026
- Grouped allocations
- Users can split one deposit across several invoices, apply several deposits to one invoice, or leave money unapplied.checked 15 Oct 2026
- Integer-cent arithmetic
- Amounts and allocations are stored in integer cents to prevent rounding drift.checked 15 Oct 2026
- Integrations
- SettlePair has no bank or accounting-system connection and does not post entries to Xero, QuickBooks or other ledgers.checked 15 Oct 2026
Where it runs
- Browser processing
- Parsing, scoring, allocations and export run in the browser tab using JavaScript.checked 15 Oct 2026
- Browser requirements
- Current desktop Chrome, Edge, Firefox and Safari versions are supported, with JavaScript enabled; mobile browsers using the same engines are also listed.checked 15 Oct 2026
- Browser support
- The FAQ lists current desktop versions of Chrome, Edge, Firefox, and Safari, plus the same engines on mobile.checked 9 Oct 2026
- Bulk approval
- Visible suggestions scoring at least 80 can be approved in one confirmed action.checked 15 Oct 2026
- Column mapping
- Column names are automatically mapped and can be corrected before reconciliation.checked 15 Oct 2026
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