Best Payment Reconciliation Software in 2026
Updated
In short: UnPay Loan Management System is ranked #1 of 26 as of 4 October 2026, ahead of Fihary and ReconcileIQ. The best-ranked option with a free plan is Fihary. The lowest first paid tier on this page is ReconcileIQ at £5/mo.
When payments need to be matched against accounting records, reconciliation software can help organize that work across different sources. Compare automatic matching and invoice reconciliation, then check bank connections, payment processors, and accounting integrations against the systems you use. API access and multi-currency support are also listed, alongside free-plan availability and paid-from pricing. The ranking opens with ReconcileIQ, Ledge Cash Application, and Serrala Alevate AR Cash Application; Trintech Accurate Reconciliation and Embat Bank Reconciliation follow among the first entries. Use those criteria to weigh how each option handles your payment flows and the records you need to reconcile.
26 payment reconciliation software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
#1 UnPay Loan Management System Top pick · 7.2 Free plan · Free #2 Fihary Runner-up · 7.0 Free plan · MGA 19,000/mo
#3 ReconcileIQ Also great · 7.0 Free plan · £5/mo
- Free planFree trial AndroidapiiOSWeb
- Free plan
- Yes
- Automatic matching
- Yes
- Payment processors
- payment gateways; UPI; NPCI
- Accounting integrations
- Tally; SAP; NetSuite
RecognisedDocumentedFree planPlatforms - Free plan AndroidWebWindows
- Free plan
- Yes
- Automatic matching
- Yes
- Payment processors
- MVola, Orange Money, Airtel Money
- Accounting integrations
- Sage 100, Odoo
RecognisedDocumentedFree planPlatformsMGA 19,000/mofirst paid tier About FiharyVisit site - Free planFree trial apiWeb
- Free plan
- Yes
- Automatic matching
- Yes
- Accounting integrations
- QuickBooks, Xero, Sage, Pandle, FreeAgent, YNAB
RecognisedDocumentedFree planPlatforms£5/mofirst paid tier About ReconcileIQVisit site - Free planFree trial apiWeb
- Free plan
- Yes
- Paid from
- 9.99 /mo
- Automatic matching
- Yes
- Payment processors
- Stripe, Adyen, Worldpay, SumUp, Zettle
- Accounting integrations
- Xero, QuickBooks
RecognisedDocumentedFree planPlatforms$9.99/mofirst paid tier About BankStatementMatcherVisit site - apiWebRecognisedDocumentedFree planPlatforms
- Web
- Automatic matching
- Yes
- Bank connections
- 1 connections
- Payment processors
- Stripe, Adyen, PayPal, Braintree, ConexPay, EBANX, GoCardless, Checkout
- Accounting integrations
- NetSuite, QuickBooks, SAP S/4HANA, Sage Intacct, Xero, Microsoft Dynamics 365
RecognisedDocumentedFree planPlatforms - apiWeb
- Automatic matching
- Yes
- Payment processors
- Stripe, Tap Payments, Mamo Pay, Paymob, Hyperpay, STC Pay, Telr, Noon Payments, Mada, SADAD
- Accounting integrations
- Xero, QuickBooks Online, Zoho Books, Wafeq, FreshBooks, Oracle Fusion Cloud, NetSuite, Microsoft Dynamics 365 Business Central, Odoo
RecognisedDocumentedFree planPlatforms - Web
- Free plan
- No
- Automatic matching
- Yes
- Accounting integrations
- Intuit QuickBooks; Oracle NetSuite; Sage Intacct; Microsoft Dynamics
RecognisedDocumentedFree planPlatforms - AndroidWeb
- Free plan
- No
- Automatic matching
- Yes
- Accounting integrations
- Tally, QuickBooks, Xero, NetSuite, SAP
RecognisedDocumentedFree planPlatforms - Web
- Automatic matching
- Yes
- Payment processors
- Nuvei
- Accounting integrations
- SAP, Oracle, Oracle NetSuite, Microsoft Dynamics, Workday, Acumatica, Sage
RecognisedDocumentedFree planPlatforms - apiWeb
- Free plan
- No
- Automatic matching
- Yes
- Payment processors
- Stripe, PayPal, Adyen, Redsys, Worldpay, Mercado Pago, Checkout, FB500, Nuvei, American Express
- Accounting integrations
- SAP S/4HANA, SAP ECC, SAP Business One, Oracle NetSuite, Microsoft Dynamics AX, Microsoft Business Central, Microsoft Dynamics F&O, Microsoft Navision, Sage Intacct, DATEV, Workday, Odoo, Holded, Ekon, Zoho ERP
RecognisedDocumentedFree planPlatforms - apiWebRecognisedDocumentedFree planPlatforms
- self-hostedWeb
- Free plan
- No
- Automatic matching
- Yes
- Accounting integrations
- Visma Business, Visma Global, Uni Micro V3, Uni Economy, InfoEasy (Vitec), Navision, Axapta
RecognisedDocumentedFree planPlatforms - WebWindowsmacOSLinux
- Free plan
- No
- Automatic matching
- Yes
- Bank connections
- 0 connections
RecognisedDocumentedFree planPlatforms - Web
- Automatic matching
- Yes
- Accounting integrations
- SAP, Microsoft Dynamics 365, NetSuite, IFS, Sage, Infor, Workday, Epicor, Unit4, QAD, Acumatica, Oracle
RecognisedDocumentedFree planPlatforms - Web
- Automatic matching
- Yes
- Payment processors
- Stripe
- Accounting integrations
- QuickBooks, NetSuite, Sage Intacct, Xero
RecognisedDocumentedFree planPlatforms - Web
- Automatic matching
- Yes
- Payment processors
- Mangopay; existing payment service providers
RecognisedDocumentedFree planPlatforms - Web
- Automatic matching
- Yes
- Accounting integrations
- SAP, Oracle, Workday, NetSuite, Microsoft Dynamics
RecognisedDocumentedFree planPlatforms - Web
- Free plan
- No
- Paid from
- 49 /mo
- Automatic matching
- Yes
- Bank connections
- 1 connections
- Payment processors
- Stripe, PayPal, Square
- Accounting integrations
- QuickBooks, Xero, NetSuite, Sage Intacct, Business Central
RecognisedDocumentedFree planPlatforms - Web
- Free plan
- No
- Automatic matching
- Yes
- Payment processors
- Razorpay, Cashfree, PayU, Paytm, PhonePe
- Accounting integrations
- Zoho Books, Tally, QuickBooks
RecognisedDocumentedFree planPlatforms -
- Automatic matching
- Yes
- Accounting integrations
- SAP, Oracle, NetSuite, Microsoft Dynamics
RecognisedDocumentedFree planPlatforms - Web
- Free plan
- Yes
- Automatic matching
- Yes
RecognisedDocumentedFree planPlatforms - Web
- Free plan
- No
- Paid from
- 39 /mo
- Automatic matching
- Yes
RecognisedDocumentedFree planPlatforms - WebRecognisedDocumentedFree planPlatforms
-
- Free plan
- No
- Paid from
- 199 /mo
- Automatic matching
- Yes
- Payment processors
- Stripe, PayPal, Adyen
- Accounting integrations
- NetSuite, SAP, QuickBooks, Xero
RecognisedDocumentedFree planPlatforms
Is your app on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which payment reconciliation software is ranked first on Everything Xiaomi?
UnPay Loan Management System is ranked #1 of 26 with a score of 7.2. Fihary is second and ReconcileIQ third.
How many of these have a free plan?
4 of the 25 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, ReconcileIQ has the lowest first paid tier we found: £5/mo.
How is this list ranked?
Ranked on what each maker publishes: documentation depth, a free tier and the platforms it runs on. Paid placements never change a rank.