Bank vs Ledger

Bank-vs-ledger reconciliation works best when the ledger has stable payment IDs or references.

Recommended pair settings

pairs:
  bank_vs_ledger:
    left: bank
    right: ledger
    date_window: "2d"
    amount_tolerance_minor: 0
    name_mode: "none"

Use name_mode: "none" first. If ledger references are sparse, test tokens on a smaller sample before using it on a large dataset.

Ledger amount fields

If the ledger already stores minor units:

amount_col: "amount_minor"
multiplier: 1

If it stores major units:

amount_col: "amount"
decimal: "."
multiplier: 100

Practical checks

• Confirm the bank and ledger use the same sign convention.
• Confirm refunds and reversals are represented consistently.
• Confirm ledger exports do not include pending records that the bank cannot contain yet.