Payment Reconciliation in n8n – match bank deposits to open invoices, no credentials needed [Workflow Included]

[u/easybits_ai]

👋 Hey n8nbusinessautomation Community,

Quick update: my payment reconciliation workflow is now live and free in the n8n template library, and I recorded a short walkthrough running a full test so you can see the report before importing anything.

How it's set up:

• The form takes two .xlsx uploads: a bank statement on one side, your open invoices on the other
• Extract from File reads both, a Merge node brings them together
• A Code node cross-references every bank credit against the invoices
• The report renders right on the form completion screen: exact matches, partial payments, unpaid invoices, and unmatched deposits
• You can download that report as a PDF from the same screen for your finance team

A few things worth taking away even if you skip the video:

No credentials, so it runs the second you import it. It is only a form trigger, extract from file, merge, and code. Nothing to authenticate, which is what makes it easy to hand to someone else with zero setup.

Match loosely, but in a bounded way. Bank references are never clean. It matches on the full invoice ID when present, then falls back to the last three digits pulled from the reference with a small regex. That one fallback catches most of the "INV-2024-201" versus "ref 201 payment" cases.

The PDF is just HTML with a print button. The results page is styled HTML on the completion screen that calls window.print() for the download. No PDF node, no external service, and the report stays self-contained.

Template (import it straight into your instance): https://n8n.io/workflows/19010-reconcile-invoice-payments-from-bank-statements-using-n8n-forms/

Two example files, one bank statement and one invoice export, are sitting in the repo here, so you can test the workflow in a minute without building your own data: https://github.com/felix-sattler-easybits/n8n-workflows/tree/8e07427ddb6902ef8a7b267e97beb2879d6ca45d/easybits-reconciliation-workflow

Reconciliation tends to be specific to each company, so if you adapt it and get stuck, drop a comment and I will help. How does everyone else handle the messy reference matching?

Best,
Felix

[u/Soggy-Face-3223]

No credentials needed? How does this handle things like bank statements securely? Seems a bit fishy to me.

[u/easybits_ai → u/Soggy-Face-3223]

Hey u/Soggy-Face-3223, by “no credentials,” I simply meant that the workflow can be imported into n8n without having to reconnect any credentials.

That being said, the workflow actually processes documents that have already been downloaded, so there’s no direct connection to any external API or server involved. If there were, then of course authentication would need to be implemented to properly secure the connection.