Introducing payment application proposals

A payment application proposal represents a potential match between a bank statement line and an open ledger entry. When automatic matching runs, it examines each bank transaction and searches for matching entries in your system using multiple matching strategies. Each potential match becomes a payment application proposal.

When you apply a proposal on a bank statement line, the related ledger entry is applied. When this application is posted, the bank statement line is reconciled. In Banking Import, posting the application automatically reconciles the bank statement line.

Continia Banking supports the full proposal lifecycle, from automatic matching to manual review and application. The system identifies potential matches using various strategies, lets you examine proposals before committing, and handles complex scenarios such as discounts, partial payments, multiple currencies, and tolerances. It also prevents entries from being applied twice, validates amounts, auto-applies certain matches, supports batch operations, and maintains a full audit trail of how matches were found.

The articles in this section explain how payment application proposals work in practice and how you can review, refine, and apply them during reconciliation.

Reviewing payment application proposals

Learn how proposals are presented after automatic matching and how to inspect them before deciding whether to apply, adjust, or discard each match. See Reviewing payment application proposals.

The Payment Application Review page

Understand the fields, filters, and actions available on the proposal page. This article describes the layout of the page and explains how to use it to evaluate and act on proposals during reconciliation. See The Payment Application Review page.

Applying payment proposals

See how to apply proposals to bank statement lines and complete the reconciliation process. The article covers the standard apply flow and explains what happens to the related ledger entries and bank statement lines after posting. See Applying payment proposals.

Applying proposals to multiple accounts

Some bank statement lines cover transactions that relate to more than one account, for example, a single payment that covers open invoices from two different customers. This article describes how to apply one bank statement line to ledger entries from different accounts, both automatically and manually. See Applying proposals to multiple accounts.

Applying partial payments

The Payment Application Proposals subpage lets you apply partial payments or transfer differences. The Apply Partial Payment action is available when the transaction amount does not fully cover an invoice but can cover the remaining difference, depending on whether entries have already been applied. See The Payment Application Review page.

Payment application proposals FAQ

Find answers to common questions about matching, accuracy, and troubleshooting. The FAQ groups recurring issues by theme and links back to the relevant main articles for further detail. See: Payment application proposals FAQ.