Automatic Payment Matching
Stop manually tracking bank transfers. PayRequest automatically matches incoming payments to your invoices using unique reference codes. Powered by Ponto open banking.
How Payment Matching Works
A simple 4-step process that happens automatically, no manual intervention required.
Invoice Created
You create an invoice with a unique payment reference code (e.g., PAY-INV2024-0042)
Customer Pays
Customer makes a bank transfer including the reference code in the payment description
Ponto Syncs
Ponto monitors your bank account and detects the incoming payment in real-time
Auto-Matched
PayRequest matches the reference code and automatically marks the invoice as paid
Manual vs Automatic Reconciliation
See the difference between traditional manual tracking and automatic payment matching.
Manual Reconciliation
- Log into bank account daily to check payments
- Compare each payment against open invoices
- Manually update invoice status in your system
- Risk of human error and missed payments
- Hours spent on repetitive bookkeeping tasks
- Delayed visibility into cash flow
Automatic with PayRequest
- Payments detected automatically in real-time
- Reference codes matched instantly
- Invoice status updated automatically
- 99.9% accuracy with zero errors
- Zero time spent on reconciliation
- Instant cash flow visibility
Payment Matching Features
Everything you need for effortless payment reconciliation.
Reference-Based Matching
Unique payment references ensure accurate matching every time. No more guessing which payment belongs to which invoice.
Real-Time Detection
Payments are detected within seconds of arriving in your bank account. No waiting for daily batch updates.
Multi-Bank Support
Connect any of 3000+ European banks through Ponto. Works with ABN AMRO, ING, Rabobank, and more.
Partial Payment Handling
Automatically track partial payments and remaining balances. Perfect for installment plans.
Payment Notifications
Get notified instantly when payments are matched. Never miss an important payment again.
Audit Trail
Complete history of all matched payments with timestamps. Perfect for accounting and compliance.
Who Uses Payment Matching?
Automatic payment matching is perfect for businesses that receive bank transfers.
B2B Companies
Most B2B payments are made via bank transfer. Automate your invoice tracking.
Freelancers
Stop checking your bank account daily. Know instantly when clients pay.
High-Value Sellers
Large invoices deserve reliable tracking. Never miss a payment.
European Businesses
SEPA transfers are the norm in Europe. Match them automatically.
Built on Ponto
PayRequest integrates with Ponto, the leading open banking platform in Europe. This gives you secure, real-time access to your bank transactions for automatic payment matching.
- PSD2 compliant and bank-level security
- Real-time transaction synchronization
- Support for 3000+ European banks
- Zero transaction fees on bank transfers
Ponto
Open Banking Platform
Stop Manual Payment Tracking
Join thousands of businesses using automatic payment matching. Set up in minutes, save hours every week.
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