Best Payment Reconciliation Software in 2026
Updated
In short: UnPay Loan Management System is ranked #1 of 26 as of 7 October 2026, ahead of Fihary and BankStatementMatcher. 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 financial records, reconciliation tools can help bring those details together. Compare automatic matching and invoice reconciliation, then consider the listed bank connections, payment processors, and accounting integrations. API access and multi-currency support may be relevant to your systems and transactions; free-plan availability and paid-from pricing provide further points of comparison. UnPay Loan Management System, Fihary, and BankStatementMatcher are among the entries to examine. Check which listed connections and matching capabilities fit the payment records your workflow handles.
26 payment reconciliation software ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
4 of the 25 here have a free tier you can use, 0 have open-source code on record, and 0 have full bars: free, open, on most of your devices and documented.
| # | App | Signal | Free tier | Open code | Devices | From | Score |
|---|---|---|---|---|---|---|---|
| 1 | UnPay Loan Management SystemWeb · Android · iPhone · API | Three bars | — | 3 of 6 | Free | 6.6 | |
| 2 | FiharyWeb · Windows · Android | Three bars | — | 3 of 6 | MGA 19,000/mo | 6.5 | |
| 3 | BankStatementMatcherWeb · API | Two bars | — | 1 of 6 | $9.99/mo | 6.4 | |
| 4 | ReconcileIQWeb · API | Two bars | — | 1 of 6 | £5/mo | 6.4 | |
| 5 | InvoicedWeb · API | One bar | — | — | 1 of 6 | — | 5.5 |
| 6 | HighRadiusWeb · API | One bar | — | — | 1 of 6 | — | 5.4 |
| 7 | Ledge Cash ApplicationWeb | One bar | — | — | 1 of 6 | — | 5.4 |
| 8 | OCTA AP AutomationWeb · API | One bar | — | — | 1 of 6 | — | 5.4 |
| 9 | VersapayWeb · API | One bar | — | — | 1 of 6 | — | 5.4 |
| 10 | Transformance ClearMatchNo platforms listed | One bar | — | — | 0 of 6 | — | 5.3 |
| 11 | Loopfour Payment ReconciliationWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 12 | Mirakl PayoutWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 13 | Serrala Alevate AR Cash ApplicationWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 14 | Trintech Accurate ReconciliationWeb | No signal | — | — | 1 of 6 | — | 5.2 |
| 15 | Centime AP AutomationWeb | One bar | — | — | 1 of 6 | — | 5.1 |
| 16 | EasyRecoWeb · Android | One bar | — | — | 2 of 6 | — | 5.1 |
| 17 | SettlePairWeb | No signal | — | — | 1 of 6 | — | 5.1 |
| 18 | Aritma ReconciliationWeb · Self-hosted | One bar | — | — | 1 of 6 | — | 5.0 |
| 19 | BlackLine Cash ApplicationWeb | One bar | — | — | 1 of 6 | — | 5.0 |
| 20 | Embat Bank ReconciliationWeb · API | One bar | — | — | 1 of 6 | — | 5.0 |
| 21 | LexaVeroWeb · Windows · Mac · Linux | One bar | — | — | 4 of 6 | — | 5.0 |
| 22 | SyncPayAPI | One bar | — | — | 0 of 6 | $149/mo | 4.9 |
| 23 | ReconcilerWeb | No signal | — | — | 1 of 6 | — | 4.8 |
| 24 | SettleFlowWeb | No signal | — | — | 1 of 6 | — | 4.8 |
| 25 | Flywheel by SellistixWeb | No signal | — | — | 1 of 6 | — | 4.7 |
Compare all 25 in a table
| # | App | Score | Free plan | From | Free plan | Paid from | Automatic matching | Bank connections |
|---|---|---|---|---|---|---|---|---|
| 1 | UnPay Loan Management System | 6.6 | Free plan | Free | Yes | — | Yes | — |
| 2 | Fihary | 6.5 | Free plan | MGA 19,000/mo | Yes | — | Yes | — |
| 3 | BankStatementMatcher | 6.4 | Free plan | $9.99/mo | Yes | 9.99 /mo | Yes | — |
| 4 | ReconcileIQ | 6.4 | Free plan | £5/mo | Yes | — | Yes | — |
| 5 | Invoiced | 5.5 | No | — | — | — | — | — |
| 6 | HighRadius | 5.4 | No | — | — | — | — | — |
| 7 | Ledge Cash Application | 5.4 | No | — | — | — | Yes | 1 connections |
| 8 | OCTA AP Automation | 5.4 | No | — | — | — | Yes | — |
| 9 | Versapay | 5.4 | No | — | — | — | — | — |
| 10 | Transformance ClearMatch | 5.3 | No | — | — | — | Yes | — |
| 11 | Loopfour Payment Reconciliation | 5.2 | No | — | — | — | Yes | — |
| 12 | Mirakl Payout | 5.2 | No | — | — | — | Yes | — |
| 13 | Serrala Alevate AR Cash Application | 5.2 | No | — | — | — | Yes | — |
| 14 | Trintech Accurate Reconciliation | 5.2 | No | — | — | — | Yes | — |
| 15 | Centime AP Automation | 5.1 | No | — | No | — | Yes | — |
| 16 | EasyReco | 5.1 | No | — | No | — | Yes | — |
| 17 | SettlePair | 5.1 | No | — | Yes | — | Yes | — |
| 18 | Aritma Reconciliation | 5.0 | No | — | No | — | Yes | — |
| 19 | BlackLine Cash Application | 5.0 | No | — | — | — | Yes | — |
| 20 | Embat Bank Reconciliation | 5.0 | No | — | No | — | Yes | — |
| 21 | LexaVero | 5.0 | No | — | No | — | Yes | 0 connections |
| 22 | SyncPay | 4.9 | No | $149/mo | No | 149 /mo | Yes | — |
| 23 | Reconciler | 4.8 | No | — | No | 49 /mo | Yes | 1 connections |
| 24 | SettleFlow | 4.8 | No | — | No | — | Yes | — |
| 25 | Flywheel by Sellistix | 4.7 | No | — | No | 39 /mo | Yes | — |
Is your app on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
Questions about this list
Which payment reconciliation software is ranked first on Freedom251?
UnPay Loan Management System is ranked #1 of 26 with a score of 6.6. Fihary is second and BankStatementMatcher 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 free-and-open first: a usable free tier and open-source code, then the platforms it runs on and its documentation.