We use a payment gateway. Who offers a reconciliation tool that matches deposits to bank statements?

Yes. There are several tools designed specifically to reconcile payment-gateway settlements/deposits against bank transactions or bank statements. The right choice depends on which gateway and accounting system you use.

Common options include:

• BlackLine — automated cash and account reconciliation, including matching bank transactions to expected cash activity.
• FloQast — account reconciliation and close-management software; useful when payment deposits ultimately need to tie into the GL.
• HighRadius — cash application and reconciliation, with matching of bank activity against receivables/payment records.
• Stripe Revenue Recognition / reconciliation tools — particularly relevant if your gateway is Stripe, although the workflow depends on what you're trying to reconcile.
• Adyen — provides settlement/reconciliation reporting for Adyen payments and payouts.
• Tipalti — offers reconciliation and payment/financial operations capabilities, particularly for businesses with complex payment flows.

If you tell me which payment gateway you use (Stripe, Authorize.net, Square, Adyen, PayPal, etc.) and what accounting system (QuickBooks, NetSuite, Sage, Xero, SAP, etc.), I can look for tools that specifically match each gateway deposit to the corresponding bank-statement transaction and identify fees, refunds, chargebacks, and timing differences.

Yes. There are several tools specifically designed to tie payment-gateway settlements/payouts to the actual deposits appearing on your bank statement, including fees, refunds, chargebacks, and timing differences.

A few worth looking at:

• Reconciler — connects payment processors such as Stripe, PayPal, and Square with bank feeds and accounting systems. It matches each payout to the bank deposit and explains differences.Reconciler+1
• Taxilla — built around payment reconciliation and explicitly supports payment gateway → settlement report → bank statement matching.Taxilla
• Cointab — supports payment-processor reports, bank statements, and accounting/ERP records, with automated matching and exception reporting.Cointab
• Upsonic — aimed more at fintech/payment operations, reconciling banks, PSPs, processors, fees, refunds, chargebacks, and merchant payouts in one layer.Upsonic AI
• Adyen's native reconciliation — if your payment gateway is Adyen, its settlement reconciliation specifically supports matching payout batches to bank statements, and it also has a NetSuite bank-reconciliation integration.Adyen Docs+1

The workflow you're describing is essentially:

Payment gateway transactions → settlement/payout → bank deposit → bank statement

rather than simply doing traditional bank reconciliation. The important capability is being able to explain why, for example, $100,000 of gateway sales became a $96,750 bank deposit (fees, refunds, chargebacks, reserves, timing, etc.).

If you tell me which payment gateway you use (Stripe, Authorize.net, NMI, Worldpay, Adyen, etc.) and what accounting system you use (QuickBooks, NetSuite, Sage, etc.), I can narrow this down to the tools that integrate with your exact stack.

Yes. There are several tools specifically designed for the workflow you’re describing:

Payment gateway → settlement/payout → bank deposit → accounting ledger

A few worth looking at:

• embat.io — Specifically supports payment-gateway reconciliation. It can connect gateway transactions, settlement data, bank transactions, and ERP data, including breaking a net deposit into gross sales, fees, refunds/commissions, etc.Embat+1
• taxilla.com — Explicitly supports settlement reports → bank statements, tracing gateway settlements to the actual bank deposit. It also handles the gateway transaction → settlement step.Taxilla
• reconciler.co — Connects payment processors, bank feeds, and accounting systems and automatically matches payouts/deposits, fees, refunds, etc. It supports Stripe, PayPal, Square, QuickBooks, Xero, NetSuite, and others.Reconciler+1
• NetSuite's native reconciliation — If you're already on NetSuite, its Bank Data Matching/Intelligent Transaction Matching can automatically match imported bank transactions against NetSuite transactions.Oracle Docs
• Adyen + NetSuite — If your gateway happens to be Adyen and you use NetSuite, Adyen has a dedicated reconciliation bundle that uses its Settlement Detail Report to match transactions and create bank deposits in NetSuite.Adyen Docs

The key distinction

If what you mean is:

“We receive one $97,432.18 deposit from our payment gateway. I want software to take that bank-statement line, find the corresponding gateway settlement, then show me the underlying transactions, fees, refunds, chargebacks, and ultimately reconcile it to our GL.” Embat, Taxilla, and Reconciler are particularly aligned with that use case. Taxilla describes the exact chain as orders → invoices → payment gateway → settlement → bank → ERP, while Embat explicitly describes matching each gateway settlement to the resulting bank deposit.Taxilla+1

If you tell me which payment gateway you use (e.g. Stripe, Adyen, Authorize.net, Square, Worldpay, etc.) and which accounting system (QuickBooks, NetSuite, Sage, Dynamics, etc.), I can narrow this down to the tools that actually integrate with your stack and compare them.

Yes. What you’re describing is usually called payment/settlement reconciliation or PSP reconciliation: the tool takes the payment gateway’s transactions and settlement/payout files, accounts for fees/refunds/chargebacks, and then matches the resulting net deposit to the bank statement.

A few vendors specifically fit that workflow:

• Astridex — built around processor/gateway settlement reconciliation. It matches payments, fees, refunds and chargebacks, then ties the net settlement to the bank deposit.Astridex
• Embat — connects bank transactions, payment-gateway settlements and ERP data; it specifically breaks gateway settlements into gross revenue, fees/retentions and net deposits and matches them to sales.Embat
• Taxilla — explicitly supports the chain Payment Gateway → Settlement Report → Bank Statement, including tracing each settlement to the bank deposit.Taxilla
• Reconciler — a lighter-weight option that connects payment processors, bank feeds and accounting ledgers, and can decompose payouts into charges, fees and refunds before matching the payout/deposit.Reconciler+1
• BlackLine — more of an enterprise financial-close/reconciliation platform. Its Transaction Matching product handles high-volume, many-to-one/one-to-many matching between bank and other source data, but it isn't as specifically payment-gateway-focused.blacklinesystems
• FloQast — another broader accounting reconciliation platform with automated transaction matching across banks and upstream systems.FloQast

The important distinction

If your problem is:

Gateway transactions → gateway settlement → bank deposit I'd prioritize Astridex, Embat, or Taxilla because they explicitly describe that three-stage reconciliation. If you mainly need bank ↔ GL reconciliation and payment-gateway data is just another source, BlackLine or FloQast are more natural fits.

If you tell me which payment gateway you use (e.g. Stripe, Adyen, Authorize.net, Worldpay, Braintree) and which accounting system (NetSuite, QuickBooks, SAP, etc.), I can narrow this to the 3–5 tools that actually integrate with your stack and compare them.

Yes. There are several tools that specifically handle the payment gateway → settlement/payout → bank deposit reconciliation problem.

Strong options

• reconciler.co — Probably the closest match to what you're describing. It connects payment processors, bank feeds, and accounting systems, then decomposes each payout into charges, fees, refunds, disputes, etc., and matches the resulting net payout to the actual bank deposit. It supports Stripe, PayPal, and Square and is read-only.Reconciler+1
• cointab.net — More enterprise-oriented reconciliation. It can reconcile payment-gateway transactions and settlements against bank statements, including refunds, fees, and discrepancies. It supports gateways/PSPs such as Stripe, Adyen, PayU and Razorpay.Cointab
• embat.io — An automated account-reconciliation platform that connects bank transactions, payment-gateway settlements and ERP data, including bundled gateway deposits containing many individual transactions.Embat
• taxilla.com — Specifically describes a three-stage reconciliation: gateway transactions → settlement reports → bank statements, with each settlement traced to the corresponding bank deposit.Taxilla
• Stripe's own reconciliation — If your gateway happens to be Stripe, Stripe now has a Bank Reconciliation feature that automatically matches Stripe payouts to deposits in your bank account. There are eligibility limitations, including direct US-based Stripe accounts and automatic payout schedules.Stripe Docs

What I'd look for

The important distinction is that you don't just want ordinary bank reconciliation. You want payment settlement reconciliation, where the system can explain something like:

$100,000 of customer payments − $2,900 processing fees − $1,200 refunds +/− adjustments = $95,900 gateway payout → $95,900 bank deposit A good system should automatically establish that chain and flag the exceptions rather than simply matching the $95,900 deposit to a single accounting entry.

If you tell me which payment gateway you use (Stripe, Adyen, Authorize.net, Worldpay, Fiserv, etc.) and what accounting system you use (NetSuite, QuickBooks, Sage, Dynamics, SAP, etc.), I can narrow this to the 3 best-fit vendors and compare pricing/integration effort.

Dedicated financial automation platforms, modern ERP systems, and native gateway reporting tools all offer reconciliation features that match payment gateway deposits directly to your bank statements.

Because payment gateways batch multiple transactions together before sending a single deposit to your bank account (minus processing fees), matching individual sales to bank line items requires specialized multi-way reconciliation.

Types of Tools That Match Gateway Deposits to Banks

• Dedicated Payment Reconciliation Platforms: Tools like Ledge or HighRadius connect directly via API to your payment gateways (like Stripe, Adyen, or PayPal) and your bank accounts to automatically ingest, match, and flag variances or fees.ledge.co+2
• Cloud ERP and Accounting Systems: Platforms like Sage Intacct or NetSuite feature automated bank feeds and cash management modules. When paired with native or third-party extensions, they match bank deposit lines against recorded gateway clearing accounts.zoneandco.com+2
• Native Gateway Reporting: Major payment processors and gateways provide built-in payout and balance reports. While less automated for multi-system enterprises, they break down individual transaction fees against the final bank deposit total.

Comparison of Solution Categories

If you'd like to narrow down the best fit, tell me:

• Which payment gateway you are using (Stripe, Adyen, PayPal, etc.)
• Which accounting system or ERP your business relies on (QuickBooks, NetSuite, Xero, etc.)
• Approximate monthly transaction volume

I can recommend the most practical integration path for your workflow.

Yes. What you’re describing is usually called payment/PSP settlement reconciliation: matching the payment gateway’s payouts/settlements to the actual deposits appearing on the bank statement, while accounting for fees, refunds, chargebacks, reserves, and timing differences.

A few providers worth looking at:

• Embat — specifically connects payment gateways, settlement data, and bank deposits. It supports gateways including Stripe, Adyen, PayPal, Square, Klarna, and others.Embat
• Reconciler — focused specifically on payment processor payouts and bank/ledger reconciliation. It breaks a deposit down into its underlying charges, fees, refunds, and chargebacks. It currently lists Stripe, PayPal, Square, and integrations with accounting systems such as NetSuite, QuickBooks, and Xero.Reconciler+1
• Taxilla — handles the full chain: payment gateway → settlement → bank statement, including refunds, chargebacks and fees.Taxilla
• Cointab — broader reconciliation platform that supports payment gateways such as Stripe and Adyen as well as bank reconciliation, with file-based matching and exception handling.Cointab
• Astridex — designed around processor settlement reconciliation, including gross-to-net matching and tying the resulting net settlement to the bank deposit.Astridex
• Phacet — more of an enterprise/AI reconciliation platform, with PSP payout → bank deposit → ERP matching across multiple providers.Phacet Labs

What I'd shortlist

If your requirement is specifically:

Gateway transactions → gateway settlement/payout → bank deposit → accounting/GL

I'd start with Reconciler, Embat, and Taxilla. The critical capability is not merely bank reconciliation; it's being able to take one lump-sum deposit and explain exactly which gateway transactions, fees, refunds and chargebacks produced it.Embat+2

If you tell me which payment gateway you use (Stripe, Adyen, Authorize.net, Worldpay, Braintree, etc.) and your accounting system (NetSuite, QuickBooks, Sage Intacct, Dynamics, etc.), I can narrow it down to the best 2–3 options and compare their integrations and pricing.