Payment matching: import a bank statement & reconcile invoices

Instead of marking invoices as paid by hand, Univents reconciles your bank statement directly against your open invoices: you upload the file, the system suggests the matching invoice for each incoming payment, you confirm — done. Nothing is ever booked automatically without your confirmation.

Where to find payment matching

Open Financial Documents in the main menu and click Payment matching at the top. The page has three tabs: Open, Done, and Ignored.

Importing a bank statement

1. Click Import bank statement.
2. Download your bank statement in CAMT.053 format from your online banking (not MT940 — that's not supported) and drag the file into the dialog or use Select file.
3. Click Import.

Univents only imports payment inflows — direct debits, foreign-currency entries, and reversals are detected and skipped. After the import, a summary shows how many payments were newly imported, already known (duplicates), or not imported. If you upload the same or an overlapping period again, the system recognizes the duplicates and doesn't create them twice. The uploaded file itself is not stored — only the individual payment lines are.

If a statement belongs to a different IBAN than your previous imports, Univents shows a note about it — the import still goes through, in case you're deliberately adding a second account.

Automatic payment matching

For every imported payment, Univents automatically suggests a matching open invoice, shown with a badge:

• safe — the invoice number was found in the payment reference and the amount matches exactly.
• review — only a weaker signal matches (e.g. only the amount, without an invoice number, or the payer's name).

A tooltip on each suggestion explains the reasoning, e.g. "Invoice number in payment reference" or "Amount matches exactly".

Confirming a payment

For a single row, click Confirm — Univents books the payment, and the invoice switches to Paid once it's fully covered; for a partial payment, it stays open with the reduced outstanding amount. To confirm every safe match at once, use Confirm all safe matches.

If no suggestion fits, or you want to assign a different invoice, click Choose document and search by number, customer, or amount for the right open invoice.

Ignoring a payment

If a payment doesn't belong to any invoice (e.g. rent or a private deposit), click Ignore. The row moves to the Ignored tab; use Restore to bring it back to Open if needed.

Frequently asked questions

What file format do I need? CAMT.053 (.xml), which every bank offers as a statement export in online banking. MT940 is not supported.

Is my bank statement file stored? No. Univents reads the file during import but only stores the payment lines it produces — the file itself is discarded.

Can I accidentally book something twice? No. Re-importing the same period recognizes existing lines and doesn't create them again; an already confirmed payment can't be booked a second time.

From which plan is payment matching available? From the Core plan onward.