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Automated bank reconciliation
from statement to ERP closure

AI agent orchestration drives the entire process — from statement ingestion and Remittance Advice extraction to autonomous posting and line closure. 90% automatic invoice matching rate. No process replacement. On-premise or in the cloud.

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Automated bank reconciliation — AI agent in ERP | Xelto AI

Full payment reconciliation automation — native in ERP

AI agents drive the entire process — from statement ingestion to line closure. 90% of invoices matched automatically, precise Remittance Advice extraction and multilingual customer communication. No process replacement. On-premise or in the cloud.

90% automatic matching rate
Invoices are matched autonomously without manual verification — AI learns the specifics of each customer and bank with every payment processed.
Straight-Through Processing >95% confidence
High-confidence items go straight to ERP without human involvement. Only exceptions engage the team — via email, chat or dashboard with a ready AI proposal.
Full audit log — every action reversible
Nothing is posted silently. Every AI operation is recorded, tagged with a confidence indicator and can be reversed. On-premise or in the cloud, in line with your organisation's data policy.

How it works — from statement to closure

Three specialised AI agent modules work in sequence — each focused on its own responsibility, together covering the full reconciliation cycle.

The system monitors bank statement files and email inboxes for Remittance Advice. Xelto Doc AI extracts data from attachments and emails with no per-client or per-bank template setup required.
The AI agent performs a three-step verification: identifies the customer, finds the invoice in ERP based on the transfer description and Remittance data, verifies amount consistency with adjustment handling and automatic write-off per customer rules. RAG over matching history boosts precision for recurring patterns — AI learns the specifics of each customer and bank.
Lines with confidence above 95% are posted autonomously (Straight-Through Processing). Others reach the accountant via three channels simultaneously — email, chat or ERP dashboard — with a ready AI proposal and confidence indicator. Every correction feeds the training base. Once all lines are closed, the AI agent independently closes the statement in ERP with a full audit log of every decision.

From statement to closure —
fully automatically

Book a consultation with a Xelto AI expert. We'll show you how automated bank reconciliation works on your statements and AR processes.

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