AI proposes, you approve
No payment is applied without a person confirming it. A design decision, not a limitation.
AI reconciliation
Every deposit, matched to the invoice it belongs to.
Pacunex automatic bank reconciliation reviews your statement against your receivables and proposes the match. You approve the obvious in bulk; you decide the doubtful.
AI proposes, you approve · no payment is applied on its own.
The problem
Reconciling is costing you days of work
Matching the bank against the ERP means manually hunting which invoice each deposit paid. And it rarely matches cleanly: withholdings lower the amount, there are partial payments, and single transfers covering five invoices at once. Detective work, repeated every month, done by people who should be collecting.
A spreadsheet only its author understands — and that breaks when that person leaves.
Payments left unapplied for weeks, while the customer still shows as overdue.
Month-end closes that drag because nobody finishes matching on time.
How it works
How AI reconciliation works
- 01 · You import
You upload the statement
The system recognizes your bank's format and loads the movements. Each bank is configured once.
- 02 · It matches
AI proposes the match
It compares each movement against your receivables and builds the proposal. It runs on its own as soon as the import finishes.
- 03 · It sorts
Sorted by confidence
It separates exact matches from those with withholding, partial payment, multi-invoice payment, or no match at all.
- 04 · You approve
You have the final say
You accept the obvious in bulk, review the doubtful and discard what should not be reconciled.
What it is
What automatic bank reconciliation does
It is not an amount comparator. It understands the real cases of a LATAM company: withholdings, partial payments, payments covering several invoices, and receipts sent as photos. And it never moves money on its own.
Bulk approval
Exact matches are accepted at once. Tick what you want and confirm in one click.
It understands withholdings and partials
It recognizes when a deposit comes in lower due to a withholding, or when it is a partial payment of a larger invoice.
One payment, several invoices
It detects the transfer covering a set of invoices and applies them in order.
It reads the receipt they send you
The customer sends a photo of the transfer and the system extracts the data to validate it.
What does not apply gets ignored
Statement lines that will not be reconciled leave the view and stop getting in the way.
Integrations
What it connects to
Your bank on one side, your management system on the other. Pacunex sits in between.
Bank statements
Excel · CSVMT940Per-bank setupMulti-account
ERPs and databases
AS2 by Asinfo (in production)Microsoft SQL ServerPostgreSQLMySQLREST API · MCPOther ERP: connector built in the pilot
Example cases
Typical cases
Honest projections — Pacunex is in open beta.
Month-end stops dragging
The obvious is bulk-approved the same day the statement arrives; the team only looks at exceptions.
Shorter close
Nobody chases someone who already paid
The payment is applied on time, so the customer stops showing as overdue and gets no collection message.
Less customer friction
Reconciliation stops depending on one person
The criteria live in the system, not in the head of whoever built the spreadsheet. Every run is logged.
A process that outlives the team
Pioneers Program · limited seats
Be among the first LATAM companies with AI agents in your operation.
Guided implementation, special beta conditions and a direct voice in the roadmap.
- Personalized onboarding with our team
- Pioneer pricing throughout the beta
- Priority on new features
PROGRAM · 202612 / 25
Pioneros LATAM
- Company with an active management system
- IT team willing to integrate
- A real business case
- LATAM focus
FAQ
Frequently asked questions
Does the AI apply payments on its own?
No, and that is on purpose. The AI proposes the match and a person approves it. You can bulk-accept exact matches, but nothing moves without someone confirming.
Does it handle withholdings?
Yes. It is one of the most time-consuming cases when reconciling by hand: the deposit arrives for less than the invoice amount. The system recognizes it and proposes it as such, instead of flagging it as unmatched.
What if a customer pays five invoices with one transfer?
The system detects that the movement covers a set of invoices and proposes applying them in order. You do not have to break the payment apart by hand.
What happens with what does not match?
It is separated into its own group for you to review. And if a statement line should not be reconciled, you mark it as ignored and it stops appearing.
Which banks does it work with?
With the file your bank gives you. We support the usual statement formats, including MT940, and each bank is set up once. Tell us which one you use and we will confirm.
Is my data copied to Pacunex?
No. The AI agent queries what it needs each turn via database, REST API or MCP and does not copy your database. Chat sessions and operational logs are stored encrypted in our infrastructure, isolated per company.
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Start today
Stop matching the bank by hand every month.
Let's chat on WhatsApp, look at a real statement of yours and show you what would match on its own and what would not.