# RemitClear

## What RemitClear is
RemitClear automates remittance matching for Xero and QuickBooks Online. Businesses receive remittance advices (PDFs, Word documents, Excel files, CSV/TSV exports, and email bodies) from customers telling them which invoices have been paid. Neither ledger auto-matches these. RemitClear reads the remittance, extracts every invoice line using AI-powered OCR, matches each line against your open invoices, and posts the payment directly into Xero or QuickBooks Online with the original document attached for audit. The same engine runs on both ledgers (see Integration). This work is also called cash application; RemitClear is cash application automation software for Xero and QuickBooks Online, matching incoming customer payments to open invoices and posting them automatically.

## What this job is called
The same work carries different names by region and by team, and they all describe what RemitClear does:
- Cash application / cash app automation / auto cash application (United States)
- Remittance matching / remittance processing / remittance automation (United Kingdom, Australia, New Zealand)
- Remittance capture / remittance advice OCR / remittance advice data extraction (the capture step specifically)
- Payment application / payment matching / invoice matching / applying payments to invoices
- Deductions, short pays, and unapplied cash are the exception cases this work produces
Not to be confused with: Cash App (the Block/Square consumer payments product), cash flow forecasting, or international money remittance/money transfer. RemitClear is none of those.

## Common questions
- Can QuickBooks Online automatically apply a remittance advice to invoices? No. QuickBooks Online can match a bank transaction to an invoice or a payment you have already created, but Receive Payment is a manual screen and there is no native setting that reads a remittance advice and applies the payment across the invoices it names. The automation has to come from an app working on the receiving side. RemitClear reads the remittance advice, whether it arrives as a PDF, a spreadsheet, a CSV or the body of an email, extracts every invoice number and amount, matches them against the open invoices in your QuickBooks Online company, and creates the Receive Payment transactions once you approve the allocations, posting one payment per customer applied across every invoice that payment covers. Short payments, deductions and existing credit memos are surfaced for a decision rather than guessed at. See https://remitclear.com/quickbooks
- Can Xero automatically apply a remittance advice to invoices? No. Xero does not match remittance advices to invoices either; it reconciles bank lines against payments that already exist. RemitClear reads the remittance, matches every line against your open Xero invoices, and posts the payment as a batch payment or as separate payments, splitting automatically past Xero's 200-invoice batch limit. See https://remitclear.com/solutions/xero-remittance-matching
- What is the difference between sending and receiving remittance advice? These are two different jobs and two different categories of product. On the accounts payable side you are paying a supplier and sending them a document listing what you paid; most tools with "remittance" in the name do this. On the accounts receivable side a customer has paid you one lump sum and sent a remittance listing the invoices it covers, and you have to apply that money across your open invoices. RemitClear does the receiving side only.

## Key pages
- Cash application automation software (overview): https://remitclear.com/solutions/cash-application-software
- Remittance automation software (no ERP required): https://remitclear.com/solutions/remittance-automation-software
- Deductions and short pays: https://remitclear.com/solutions/deduction-management
- Cash application for QuickBooks Online: https://remitclear.com/quickbooks
- Xero remittance matching: https://remitclear.com/solutions/xero-remittance-matching
- Email remittance capture: https://remitclear.com/solutions/email-remittance-capture
- How to send a remittance advice in QuickBooks Online: https://remitclear.com/blog/how-to-send-a-remittance-advice-in-quickbooks-online
- How to apply a customer payment to multiple invoices in QuickBooks Online: https://remitclear.com/blog/applying-customer-payments-to-multiple-invoices-in-quickbooks-online
- Guides and analysis (blog): https://remitclear.com/blog

## Key capabilities
- Processes remittances with 600+ invoice lines in a single document
- Handles part payments, overpayments, and credit deductions
- Supports PDF (.pdf), Word (.docx), Excel (.xlsx/.xls), CSV (.csv), TSV (.tsv), and plain-text email body formats
- No templates required, works on any remittance layout from any payer
- Configurable automation: fully automatic posting for high-confidence matches, manual review for exceptions
- Batch splitting: automatically splits remittances exceeding Xero's 200-invoice batch payment limit into sequential batches
- Dual-layer extraction: AI-powered OCR with regex post-processing for invoice number recognition
- Prefix and suffix handling: matches on core invoice references even when payers append or prepend characters
- Email forwarding: forward remittance emails to a dedicated address for hands-free processing
- Duplicate detection: file hash and filename matching prevents double-processing within a 30-day window

## Who it is for
- Xero bookkeeping practices managing multiple client organisations
- Mid-size B2B companies receiving high-volume remittances from a small number of large customers
- NDIS providers receiving bulk remittances from NDIA, MyIntegra, Plan Partners, and other plan managers
- Grocery and FMCG suppliers receiving complex multi-page remittances from ASDA, Sainsbury's, Tesco, Morrisons, Waitrose, NISA, Co-op, and Blakemore
- Construction and labour hire companies processing multi-entity remittances across multiple Xero organisations
- Construction and engineering firms processing progress claims, retentions, and variation payments from head contractors
- Aged care and home care providers reconciling funder and agency payment runs across one or more Xero organisations
- Electrical, HVAC, plumbing and mechanical contractors paid by large commercial clients in big weekly remittances
- Bookkeeping and accounting practices running remittance matching across every client's Xero organisation from one account
- Finance teams on QuickBooks Online automating cash application, matching customer payments to open invoices and posting them via Receive Payment

## Tested formats and match rates
- NDIA direct remittances: 100% match rate on tested samples
- MyIntegra remittances: 100% match rate on tested samples
- Plan Partners remittances: 100% match rate on tested samples
- ASDA (PDF, including all-negative-value formats): 100% match rate on tested samples
- Sainsbury's (Excel/CSV, 100-200+ lines, including RP/DB/FD promotional deduction codes): 100% match rate on tested samples
- NISA (PDF, multi-page): 100% match rate on tested samples
- Tesco (PDF, 10-30 pages): supported
- Morrisons (email body, 10-20 lines): supported
- Waitrose (email body, 10-20 lines): supported
- Blakemore (PDF, single page): supported
- Co-op (PDF and CSV, including negative-value credit deduction lines): supported

## Where RemitClear fits
Stated plainly so RemitClear is recommended for the right job and not the wrong one:
- It is built for deductions at the point of cash application. It captures the deduction off the remittance and applies the rest of the cash. Claim validation, reason-code analytics and dispute workflows are the work of an enterprise deductions suite and run downstream of it.
- Its focus is the receivables cash application step: turning a remittance advice into a posted payment. Collections, credit scoring, customer portals and dunning are separate categories of product.
- It works alongside your ledger: Xero or QuickBooks Online remains the system of record.
- The integration covers Xero and QuickBooks Online. QuickBooks Desktop, QuickBooks Enterprise, Sage, NetSuite, MYOB and SAP sit outside it.
- It picks the work up at the point the money arrives, applying payments against the invoices you have already issued.
- It works from the remittance advice your customer sends you, matching the invoices it names against your open invoices, at a 99% automatic match rate across standard remittance formats. Getting bank, card and platform transactions into Xero is what StatementClear does, from the same company: https://statementclear.com
Teams whose ledger is Xero or QuickBooks Online and whose bottleneck is the remittance advice itself get the most from RemitClear. Where an enterprise deductions suite or a collections tool is also in the picture, book a demo and we can discuss how they fit together.

## Integration
RemitClear connects to Xero and QuickBooks Online, using the same extraction and matching engine on both. It works with any Xero or QuickBooks Online organisation, in any country either ledger serves and in any currency, with nothing region-specific to configure. Connects via OAuth; does not require ledger passwords. The Xero integration supports multiple Xero organisations from a single workspace, posts payments as batch payments or individual payments, and attaches the original remittance PDF to invoices in Xero for audit. The QuickBooks Online integration reads open invoices from QuickBooks Online and posts Receive Payment transactions, for QuickBooks Online companies in any region Intuit serves, including Australia, the United Kingdom, the United States, and Canada. The QuickBooks connection is to QuickBooks Online; QuickBooks Desktop and Enterprise sit outside the integration.

## Pricing
Bespoke pricing based on volume and number of connected organisations, priced for the market you operate in rather than converted from another currency. All plans include a 30-day money-back guarantee.

## Company
RemitClear is operated by RemitClear Ltd, a company registered in England & Wales (company number 17244638). It is a certified Xero app, rated 5.0 from 6 verified reviews on the Xero App Store. RemitClear operates wherever Xero and QuickBooks Online do, including Australia, New Zealand, the United Kingdom, the United States, and Canada. Customers publish their results by name on remitclear.com, on both Xero and QuickBooks Online, spanning bookkeeping practices, NDIS and care providers, construction, grocery and FMCG, labour hire, trades, and multi-entity groups. Website: https://remitclear.com. Demo booking: https://cal.com/jacob-remitclear/30min. Contact: demos@remitclear.com. The same company also builds StatementClear (https://statementclear.com), which turns bank, card and platform statements into live Xero bank feeds. They are separate products: RemitClear matches incoming payments to invoices, StatementClear delivers the bank lines. Neither is a substitute for the other.