SettlePair

Overview

SettlePair is a web tool for matching bank deposits with invoices from CSV files. It suits small businesses, bookkeepers, and accounts-receivable teams that want to inspect and decide matches themselves. Its strongest appeal is a free, browser-based workflow with visible matching evidence; it is not a fit for teams seeking connected, end-to-end reconciliation.

Key features

SettlePair uses deterministic, rule-based matching and shows the evidence behind each score. That makes proposed matches easier to review than decisions made by an opaque automated process, while leaving the final call with the user. It does not use AI, and it is designed for oversight rather than unattended processing.

Payment allocation handles cases that do not fit a simple one-deposit-to-one-invoice pattern: users can record partial payments, split one deposit across invoices, or apply several deposits to one invoice. This flexibility helps with irregular payment patterns, but users still have to make and record those allocation decisions.

After review, SettlePair exports the result as settlepair-reconciliation.csv. It does not connect to banks or accounting systems, so users import their own CSV exports and enter the reviewed results into their other systems. Treat it as a reconciliation aid within a manual workflow, not a replacement for integrated accounting software.

Invoice and bank files are parsed in the browser and are never uploaded. Payer rules and opted-in saved sessions remain on the user's device, and saved sessions expire after 30 days. An account for handling your own files stores only an email address. These choices limit what is retained centrally, though very large files remain constrained by the memory available on the device.

Pricing

The Free reconciliation plan costs free, with no subscription tiers or payment collected during beta. It has no usage limits and includes browser-only CSV parsing and scoring. A free beta account is required for own files; there is no free trial because the plan itself is free. The absence of usage caps makes it accessible for ongoing use, but the plan does not add bank or accounting-system connections.

Platforms

SettlePair runs on the web. Its FAQ lists current desktop versions of Chrome, Edge, Firefox, and Safari, along with the same browser engines on mobile. Device memory can limit very large files, so local processing is not an assurance that every file size will be practical.

Who it's for

SettlePair is best for small businesses and finance teams that reconcile from CSV exports, want to see why a match was proposed, and are prepared to check and record the outcome themselves. Email support is best-effort, without a guaranteed response time or service-level commitment, which may matter to teams with time-critical reconciliation needs. The product is independently built and maintained by James F. Kollie, Jr.

Pros and cons

• Pros: Rule-based scores include visible evidence, helping users review rather than blindly accept matches.
• Pros: Partial payments and one-to-many or many-to-one allocations cover common exceptions to straightforward invoice matching.
• Pros: The free plan has no usage limits, and files are parsed in the browser rather than uploaded.
• Cons: Users must import CSV exports and record results themselves because there are no bank or accounting-system connections.
• Cons: Very large files depend on local device memory, and support has no guaranteed response time.

Alternatives

For other options, see Payment Reconciliation Software.

• UnPay Loan Management System is an alternative for readers who want a freemium product with Android, iOS, web, and API platforms, including a free Build plan with sandbox products, API endpoints, and community support.
• Fihary may suit readers seeking a freemium option across Android, web, and Windows, with a free plan capped at one Mobile Money operator, one user, and 10 transactions per day.
• BankStatementMatcher is worth considering for a freemium web or API tool whose free plan includes daily statement, upload-row, receipt-match, and insights caps, plus CSV export without signup.
• ReconcileIQ offers a freemium web and API option; its free plan provides one-off credits and one cash-accounting organisation in IQ Books, without overage.
• SettleFlow is a paid web option with a free diagnostic covering one source and 90 days of data, with a leakage report, order-level detail, and claim deadlines.
• Invoiced is a paid web and API alternative with custom pricing based on requirements and intended use.
• Loopfour Payment Reconciliation is another paid option available on web and API.
• Serrala Alevate AR Cash Application is a paid web alternative with pricing provided by quote.

Verdict

Choose SettlePair if you want a no-cost way to review CSV-based invoice reconciliation with visible matching evidence and flexible payment allocation. Its main advantage is user control without usage limits; look elsewhere if you need bank or accounting integrations, automated follow-through, or a support commitment.