Reconciliation Software for Every Industry

Cointab is an AI-assisted reconciliation platform for finance teams that need to compare Side A and Side B records, identify discrepancies, and review matched, partially matched, unmatched, and skipped transactions in one structured workflow. It is designed for recurring reconciliation across industries where finance, operations, and external partner data must be matched consistently.

Whether the workflow involves sales versus payments, marketplace versus settlement, bank versus books, or vendor versus statement reconciliation, Cointab helps teams map fields once, run reconciliation, and export audit-ready reports.

Why reconciliation needs vary by industry

Every industry has its own data sources, file formats, identifiers, and exception patterns. A marketplace finance team may reconcile settlements, returns, deductions, and payouts. A logistics team may reconcile delivery partner remittances against internal order records. A SaaS or fintech team may reconcile subscriptions, payments, refunds, chargebacks, and bank settlements.

The challenge is rarely just matching two files. Finance teams often need to:

• Compare data from multiple systems
• Handle missing or inconsistent identifiers
• Reconcile partial payments, deductions, and refunds
• Review exceptions without losing audit trail clarity
• Reuse the same workflow every month or week
• Reduce manual spreadsheet work during close

Cointab is built for that kind of recurring finance operation.

How Cointab supports industry-specific reconciliation

Cointab uses a flexible reconciliation engine rather than a one-size-fits-all template. Teams can choose a popular reconciliation for standard partner reports or create a custom reconciliation for business-specific workflows.

Side A and Side B model

Cointab keeps the workflow simple:

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

This makes it easier for finance teams to understand what is being matched and where differences are coming from.

Field mapping and supporting data

Users upload CSV, XLS, or XLSX files and map key fields such as:

• Date
• Amount
• Order ID
• Transaction ID
• Invoice number
• Reference number
• Bank UTR
• Settlement ID
• AWB number

Supporting data can also be uploaded to enrich the main files before reconciliation. This is useful when teams need to merge, lookup, calculate, or normalize data before matching.

Derived columns with AI support

Finance users can create derived columns using AI-generated Excel-style formulas. This helps when a field needs to be cleaned, combined, normalized, or calculated before it can be used in matching logic.

Examples include:

• Clean Order ID
• Net Amount
• Refund Amount
• Normalized Reference
• Delivered Payment Amount
• Amount after fee

Structured matching and open-item review

The reconciliation engine supports structured matching across one-to-one, one-to-many, many-to-one, and many-to-many scenarios. It can also work with partial matches, contra entries, and net-to-net cases.

After deterministic matching rules are applied, remaining open transactions can be reviewed with AI-assisted analysis. This helps teams investigate difficult cases without forcing weak matches.

Common industry use cases

Cointab is useful anywhere finance teams reconcile transaction-heavy data across internal systems and external records.

These workflows often share the same finance goal: match records accurately, isolate exceptions quickly, and keep reporting consistent over time.

What finance teams see after reconciliation

Once a reconciliation run is complete, Cointab shows a report dashboard with clear transaction status buckets.

Fully matched

Fully matched records are transactions where identifiers and amounts align according to the configured reconciliation logic.

Partially matched

Partially matched records are transactions that appear related, but the amounts do not fully agree. This is important for identifying short payments, overpayments, deductions, fees, refunds, or settlement differences.

Unmatched

Unmatched records are present on one side but not found on the other. These often point to missing files, timing differences, posting gaps, or partner exceptions.

Skipped

Skipped records are rows that were excluded because of missing data, invalid values, duplicates, or other file issues. Keeping skipped records visible helps finance teams understand exactly what was not included in the run.

Users can also filter records, inspect transaction-level details, and download Excel reconciliation reports for internal review, partner follow-up, or audit preparation.

Why reusable workflows matter

One of the main advantages of Cointab is reuse. After a reconciliation is configured, finance teams do not need to rebuild the same setup every month.

That matters because recurring reconciliation work usually involves:

• The same report structure
• The same key identifiers
• The same matching rules
• The same exception categories
• The same reporting requirements

With Cointab, teams can reuse the workflow, upload fresh files or automate data input, run reconciliation, and review the latest output. This reduces repeat setup work and helps standardize how different team members handle the process.

Automation for recurring finance operations

Cointab supports recurring reconciliation through automation. Once a workflow is configured, teams can use email, SFTP, or API-based data input to bring in source files on a scheduled basis.

Automated runs can be set up for daily, weekly, monthly, or other recurring schedules. After the required files are received and validated, Cointab can run reconciliation automatically and prepare the report.

Cointab can also push output back to downstream systems through email, SFTP, or API. This is useful for finance operations, reporting, analytics, and internal review workflows.

Manual review when exceptions need attention

Not every transaction can be matched automatically. Cointab includes a manual match option for cases where the business context is clear but the data is incomplete or inconsistent.

This is useful when:

• A reference is missing on one side
• The AI and matching rules do not have enough evidence
• A one-off exception needs finance review
• Records need to be grouped differently before matching

Manual actions remain visible in the reconciliation history, which supports auditability and team collaboration.

Built for team-based finance work

Cointab supports shared workspaces so multiple users can work from the same reconciliation setup. That makes it easier for finance teams, controllers, audit teams, and operations teams to collaborate without passing spreadsheets around.

Shared dashboards and report history help teams keep track of who ran a reconciliation, which files were used, and how exceptions were handled.

A flexible reconciliation layer for growing finance teams

For businesses that deal with multiple partners, multiple file formats, and recurring close cycles, reconciliation needs a repeatable workflow rather than a one-off spreadsheet process. Cointab provides that structure through field mapping, matching logic, supporting data, AI-assisted analysis, manual review, and audit-ready reporting.

That makes it a practical fit for organizations that need to reconcile financial and operational records across many industries without rebuilding the process every time.