Remittance Automation Software, Without the ERP
Automated remittance processing for AR teams who do not run SAP. RemitClear captures every remittance advice, extracts each invoice line, matches it against your open invoices, and posts the payment. Live for Xero and QuickBooks Online.
Trusted by finance teams around the world
The Problem
The Money Arrived. The Work Is Only Starting.
A payment lands in the bank feed. Somewhere in an inbox is the remittance advice explaining which invoices it covers, and it might list three of them or three hundred. Until someone opens that document, reads every line, finds each invoice in the ledger, and allocates the amounts by hand, that money is just an unexplained deposit.
None of this work is difficult. That is exactly the problem. It is transcription, and it scales linearly with your customer base: every new payer adds another advice to open, in another layout, with invoice numbers written another way. The team absorbs it until they cannot, and then it becomes a month-end backlog and a growing pile of unapplied cash.
The tooling that exists to solve this was mostly built for a different company. Enterprise remittance platforms assume an ERP underneath, a dedicated AR department on top, and an implementation budget between the two. If you run Xero or QuickBooks Online, you have the same problem at a size nobody built for.
The Solution
Four Steps, None of Them Yours
Automated remittance processing is a chain, and a break anywhere in it puts the work back on a person. RemitClear runs the whole chain, from the document arriving to the payment sitting in your ledger.
Capture
Remittances arrive by email, so RemitClear gives you an address to forward them to, or a mail rule to forward them for you. Attachments and email-body text are both handled. You can also drag files in directly, one at a time or twenty at once. However the payment itself was made, by ACH, check, wire, BACS, or EFT, the advice is captured the same way.
Extract
The AI extraction engine reads the document rather than matching it to a stored template, which is why a new payer works on day one and an existing payer changing their layout breaks nothing. It pulls the payer name, payment date, currency, total, reference, and every individual invoice line, then re-checks the raw text for anything the first pass missed.
Match
Extracted invoice numbers are matched against your open AR invoices, exact matches first, then partial and prefix-based matching for the numbers customers truncate or reformat. Already-paid invoices are detected rather than double-posted, credit notes are accounted for, and every result carries a confidence score so you can see what the system was sure about.
Post
Approve the allocation and the payment posts to Xero or QuickBooks Online, either as one payment applied across every matched invoice or as separate payments if that is how the money hits your bank feed. References are formatted so the deposit reconciles cleanly, and the original advice can be attached for the audit trail.
Sized For Your Ledger
You Should Not Need an ERP to Stop Typing
Search for remittance automation and you will mostly find platforms built around SAP, Oracle, and NetSuite, sold to AR departments with headcount to match. They are good at what they do. They are also an implementation, a migration, and a budget cycle.
RemitClear starts from the opposite end. Your ledger is Xero or QuickBooks Online, the connection is an OAuth authorisation, and the first remittance is processed minutes later. There is no data model to design, no template library to populate before the first document works, and no professional services line on the quote.
The extraction and matching are not a cut-down version of the enterprise job, either. A remittance covering hundreds of invoices, a payer who truncates every invoice number, a spreadsheet instead of a PDF, a credit note netted off the total: these are the normal cases, not the edges. The difference is what sits underneath, not what the software will read.
What "Automated" Actually Means Here
Automation is worth having only if you can tell where it stopped being reliable. RemitClear is built to make that boundary visible rather than to claim it does not exist.
Scored, Not Assumed
Every match reports how well the amounts reconcile and how cleanly the invoice numbers matched. A confident match and a lucky guess do not look the same on screen.
Exceptions Surface
Short payments, deductions, unknown invoice numbers, and already-paid invoices are raised for review with the working shown, instead of being forced into an allocation.
Volume Is Not the Limit
One advice covering hundreds of invoices is a normal input, not an edge case. Ledger-side batch limits are handled for you rather than becoming your problem.
Product Demo
See RemitClear in Action
Remittance document
Remittance_April_2025.pdf
142 KB
Xero invoice matching
Waiting for extraction...
Posted to Xero
Payments recorded successfully
FAQ
Frequently Asked Questions
What is remittance automation?
Remittance automation is software that takes over the chain of manual steps between a customer's remittance advice arriving and the payment being applied in your ledger. It captures the advice however it arrives (emailed PDF, spreadsheet, or plain text in the email body), reads every invoice number and amount off it, matches those lines against your open accounts receivable invoices, and posts the payment. The AR team stops keying and starts reviewing, dealing only with the lines the system could not settle on its own.
How is remittance automation different from cash application software?
They describe the same job from two ends. Cash application is the accounting term for applying an incoming payment to the right open invoices, and it is the term most US finance teams use. Remittance automation describes the mechanism that makes it possible: reading the remittance advice the customer sent and turning it into structured invoice lines. RemitClear does both, so the page you want depends on the words your team uses. If you think in terms of applying cash and clearing unapplied balances, see our cash application software page. If your bottleneck is the pile of remittance advices in an inbox, this page is the right one.
Do I need an ERP to automate remittance processing?
No. Most remittance automation platforms are built to sit alongside an ERP such as SAP, Oracle, or NetSuite, and they are priced and implemented accordingly. RemitClear connects directly to Xero and QuickBooks Online instead. If your ledger is one of those two, you do not need to buy an ERP or an ERP-scale platform to get automated remittance processing. The connection is an OAuth authorisation, not an implementation project.
Which remittance formats can be processed automatically?
PDF (.pdf), Word (.docx), Excel (.xlsx/.xls), CSV (.csv), and TSV (.tsv), plus plain-text email bodies with no attachment at all. There is no per-customer template to build and no format-specific setup. The extraction engine reads the document rather than matching it against a stored layout, which is why a customer changing their remittance format does not break anything. Construction, wholesale, and grocery payers who send spreadsheets rather than PDFs are matched identically.
How accurate is automated remittance matching?
Every match carries a confidence score built from two things: how closely the allocated amounts reconcile to the payment total, and how cleanly each extracted invoice number matches an open invoice. Exact matches are attempted first, then partial and prefix-based matching for numbers that arrive truncated or without a prefix. Invoices that are already paid are detected and flagged rather than double-posted. A score is only perfect when both dimensions are, so a remittance that needs a human eye looks different from one that does not.
What happens to remittances that do not match cleanly?
They are queued for review rather than guessed at. Short payments, deductions, credit notes, unfamiliar invoice numbers, and lines that do not correspond to anything open in your ledger are surfaced with what the system did find, so you are correcting a draft rather than starting from a blank screen. You can search your ledger by customer or invoice number to resolve the line by hand, and post once it is right. Nothing reaches your accounts without someone approving it unless you explicitly turn that on.
How long does it take to get running?
Connecting your ledger is an OAuth authorisation and takes a couple of minutes. After that you either forward a remittance email or drag a PDF in, and it is extracted and matched in seconds. There is no data migration, no template library to populate before the first document works, and no professional services engagement. Most teams process a real remittance on the same call where they first see the product.
Related Solutions
Email Remittance Capture
The capture step on its own: forward a remittance email and it is read and matched automatically.
Cash Application Software
The same automation described in the language US finance teams use: applying cash and clearing unapplied balances.
Xero Remittance Matching
The Xero-specific detail: batch payments, bank account defaults, and posting behaviour.
QuickBooks Online
Automated remittance processing for finance teams running QuickBooks Online.
Further Reading
The Hidden Cost of Manual Remittance Matching
What the manual chain actually costs once you count the minutes per remittance.
When to Let Automation Post Without Review
How confidence scoring decides which remittances are safe to post unattended.
Setting Up a Remittance Inbox That Processes Itself
Wiring a mail rule so remittances are processed before anyone opens them.
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