Financial Reconciliation Automation Platform

Cointab helps finance teams reconcile internal records with external records in a structured, reusable workflow. Upload files, map fields once, run reconciliation, review exceptions, and download audit-ready Excel reports.

Reconcile Side A and Side B data with clarity

Every reconciliation starts with two sides of data:

Side A: your internal records such as sales, books, ERP exports, ledgers, order reports, receivables, or payables
Side B: external records such as payment gateway reports, bank statements, marketplace settlements, delivery partner files, vendor statements, or tax reports

Cointab is built to compare these two sides consistently, so finance teams can identify what matched, what did not match, and what needs review.

How the reconciliation workflow works

Cointab follows a simple finance workflow that can be reused for recurring periods:

Start a new reconciliation in a team workspace.
Select a popular reconciliation template or create a custom workflow.
Upload the required files on Side A and Side B, or configure automated data input.
Map the key fields such as date, amount, and reference columns.
Optionally add supporting data for lookups, enrichment, or merging.
Optionally create derived columns using AI-generated Excel-style formulas.
Run reconciliation manually or on a schedule.
Review matched, partially matched, unmatched, and skipped transactions.
Drill into exceptions with filters and transaction-level detail.
Download the Excel report or send the output to downstream systems.

This gives finance teams a repeatable process instead of rebuilding reconciliation logic in spreadsheets each month.

What Cointab can reconcile

Cointab is designed for many finance and operations workflows, including:

Sales vs payment gateway reconciliation
Marketplace sales vs settlement reconciliation
Bank statement vs books reconciliation
Vendor reconciliation
Customer reconciliation
COD delivery partner reconciliation
PSP or payout reconciliation
Logistics or freight invoice reconciliation
Intercompany reconciliation
Tax and statutory data reconciliation
Custom internal vs external data reconciliation

For standard partner reports, teams can use popular reconciliations. For business-specific needs, they can configure custom reconciliations and reuse them in future periods.

Built for recurring reconciliation, not one-time spreadsheet work

Manual Excel reconciliation often becomes difficult to audit, hard to scale, and repetitive across periods. Cointab replaces that ad hoc process with a structured workflow that can be configured once and reused.

That means finance teams can:

Reuse the same setup for future months, quarters, or custom periods
Upload the same report formats again without recreating formulas
Keep reconciliation logic consistent across team members
Reduce copy-paste work and spreadsheet dependency
Focus on exceptions instead of checking every row manually

If a file is missed, users can upload it under the same reconciliation and refresh the report.

Support for supporting data and derived columns

Finance teams often need more than two raw reports to complete reconciliation. Cointab supports optional supporting data that can help enrich or prepare the primary files before reconciliation.

Examples include:

Product master files
SKU or store mapping files
Fee rate files
Return reports
Order metadata
GST or tax mapping files
Delivery partner reference files
Customer or vendor master files

Users can also create derived columns on both sides. These are calculated columns that help with amount preparation, identifier cleanup, or lookup logic.

Examples of derived columns include:

Clean Order ID
Net Amount
Delivered Payment Amount
Normalized Transaction ID
Amount after fee
Refund amount as negative
Combined reference field

AI can assist by generating Excel-style formulas from a natural-language prompt, which makes it easier for finance users to build formulas without writing them manually.

Structured matching, partial matches, and exceptions

Cointab uses structured reconciliation logic to compare records across one-to-one, one-to-many, many-to-one, many-to-many, net-to-net, contra, and partial matching scenarios.

The platform can work with identifier-based logic such as:

One Side A identifier vs one Side B identifier
One Side A identifier vs all Side B identifiers
All Side A identifiers vs one Side B identifier
All Side A identifiers vs all Side B identifiers

It also supports comparison methods such as equals, contains, similar, and subset-based matching.

After the rules engine completes, the remaining open items can be analyzed with AI where the logic is not sufficient. AI is used conservatively, so weak evidence remains unmatched rather than being forced into a poor match.

Cointab separates records into clear status groups:

Fully matched: identifiers and amounts align according to the reconciliation logic
Partially matched: identifiers match, but there is an amount difference that needs review
Unmatched: records appear on one side but not the other
Skipped: records were excluded due to missing data, invalid values, duplication, or file issues

This helps finance teams focus on true exceptions and understand why a transaction did not reconcile.

Manual match when business context matters

Not every exception can be resolved automatically. Cointab includes manual match support for cases where the business knows two records belong together, but the system cannot confidently match them on its own.

Manual matching is useful when:

Partner data is incomplete
Identifiers are missing or inconsistent
A one-off exception needs review
AI cannot confidently determine the right match
Totals need to be matched using business context

Manual matches remain clearly marked, so teams can keep the reconciliation audit-friendly.

Reporting, filters, and dashboard visibility

Once reconciliation is complete, users can review a report dashboard that shows the overall status and transaction-level detail. The report includes:

Total summary
Fully matched summary
Partially matched summary
Unmatched summary
Skipped summary
Detailed transaction tables
Filters for deeper analysis
Downloadable Excel reports

The dashboard also keeps past reconciliation runs available for future reference, with fields such as reconciliation name, period, run date, run by, and status.

Data automation for recurring finance operations

Cointab can be used as part of a recurring finance workflow, not just as a manual upload tool. Once a reconciliation is configured, teams can automate data input and output through email, SFTP, or API.

This makes it easier to:

Receive payment gateway reports automatically
Pull marketplace settlement files from SFTP
Fetch bank statements through API
Push internal sales data from ERP systems
Load logistics partner files automatically
Deliver reconciliation output back to accounting, BI, or reporting systems

Users can also schedule reconciliation runs daily, weekly, monthly, or at any custom frequency once the required files are available.

Team workspaces for finance collaboration

Cointab supports shared team workspaces so finance teams do not need to pass spreadsheets around by email. Multiple users can work in one common account with roles, permissions, shared history, and audit logs.

This is useful for:

Finance and accounting teams
Reconciliation analysts
Accounts payable and receivable teams
Audit and compliance teams
Marketplace and eCommerce operations teams
Firms managing reconciliation across multiple clients

The result is a more controlled reconciliation process with better visibility into who ran the workflow and what data was used.

Why finance teams use Cointab

Cointab is designed to make reconciliation more structured, repeatable, and easier to review. Finance teams use it to:

Reduce repetitive spreadsheet work
Keep matching logic consistent
Handle multiple data sources in one workflow
Separate matched and exception items clearly
Improve reporting for internal review and audit preparation
Reuse the same reconciliation setup across periods
Move from manual file comparison to a governed reconciliation process

Whether the workflow is bank reconciliation, payment reconciliation, settlement reconciliation, vendor reconciliation, or a custom business process, the same platform can be adapted to the records you need to compare.

Frequently used reconciliation workflows

Sales vs payment gateway reconciliation

Compare internal sales or order records with gateway settlement files to review paid, underpaid, overpaid, refunded, or unmatched transactions.

Bank vs books reconciliation

Match bank statement entries with ledger or ERP records to identify missing receipts, missing payments, or timing differences.

Marketplace vs settlement reconciliation

Compare marketplace sales, returns, deductions, and settlements to understand what was billed, paid, withheld, or adjusted.

Vendor reconciliation

Match vendor invoices, payments, credit notes, and statements to surface discrepancies and open items.

COD delivery partner reconciliation

Reconcile internal COD order data with delivery partner remittance files to identify missing settlements or amount differences.

Reconciliation that finance teams can review and reuse

Cointab is built for finance users who want control, transparency, and auditability. The platform shows what matched, what remained open, and what was skipped, so the reconciliation can be reviewed with confidence and reused for the next reporting period.