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Top Rated Accounts Payable Software with Bank Reconciliation in 2026

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All user reviews are verified by in-house moderators and provider data by our software research team.  Learn more

Last updated: February 2026

Bank reconciliation simplifies tracking transactions, matching bank statements with accounting records, and identifying discrepancies. It automates the process, reduces errors, and ensures accurate financial records, aiding efficient financial management. Our reviewers in accounts payable software rated this feature as highly important.

5 Best Accounts Payable Software with Bank Reconciliation

Product
User rating
Starting price
NetSuite logo
4.2
(1.7K)
Empty state illustration for "No pricing info"

No pricing info

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Xero logo
4.4
(3.2K)
25
flat rate/per month
visit website
FreshBooks logo
4.5
(4.5K)
21
flat rate/per month
visit website
Sage Intacct logo
4.3
(591)
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No pricing info

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QuickBooks Online logo
4.3
(8.3K)
38
flat rate/per month

See other top Accounts Payable products with bank reconciliation

How we picked the 5 top rated products

We chose the high-performing solutions on this list based on verified user ratings on our site. Depending on available data, qualifying products either had to be among the most user-reviewed or the most searched-for products in the Accounts Payable software category. They also needed to have sufficient reviews about bank reconciliation, have a minimum user rating of 3 out of 5 for that feature, and show evidence of U.S. market presence. We then added a distinction for up to three products based on our proprietary ratings and reviews: Highest rated, Highly rated for bank reconciliation, and Highly rated for free version. Sponsorship or client status has no influence on the selection of these products, but it may impact the order in which products appear.

Details for the 5 best products

NetSuite logo

NetSuite

Reviews Sentiment
 
 
 
1-2(92)
3-4(906)
5(793)
Key Features
Accounting4.4
Invoice Processing4.2

User insights about the bank reconciliation feature

Users appreciate NetSuite's bank reconciliation feature for its automation and integration with other financial applications. They find the process efficient and time-saving, with the ability to track transactions and view account balances in a central dashboard. However, some users mention the need for third-party tools for full functionality and occasional issues with bank integration.
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“This is very helpful to avoid manual reconciliations in excel. Having automatic matching or upload of transactions for each reconciliation would be best option.”
EG

Emma G.

Senior Accounting Manager

“Automated transaction matching speeds up the reconciliation process for recurring transactions.”
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Rob B.

President

Starting price
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No pricing info

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Pros and Cons based on 1,791 verified reviews
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Cloud-based accessibility

Efficient inventory management

Flexible customization options

Customizable and informative dashboards

Convenient web access

Slow performance speed

Prohibitive pricing for small businesses

Challenging implementation process

Inadequate customer support

Inefficient sales management

See pros and cons details
Xero logo

Xero

Reviews Sentiment
 
 
 
1-2(157)
3-4(1,150)
5(1,943)
Key Features
Accounting4.6
Invoice Processing4.6

User insights about the bank reconciliation feature

Reviewers appreciate Xero's bank reconciliation capabilities for their ease of use, automation, and accuracy. They find the automatic import of bank transactions and smart matching features save time and reduce errors. Users also value the integration with various banks and the ability to reconcile transactions quickly. However, some mention occasional issues with bank feed connections and slow support responses.
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“Xero's 'Bank Reconciliation' ensures financial accuracy with daily checks, smart suggestions, and quick bulk processing. It empowers your workflow, saving valuable time.”
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Anna F.

Administrator

“With the feature of linking live bank feed, it is easier to reconcile book balance with bank balances and be able to generate bank reconciliation report as needed ”
SS

Shea S.

Analyst

Starting price
25flat rate /
per month
visit website
Pros and Cons based on 3,250 verified reviews
Verified reviewer profile picture

Cloud accounting accessibility

Customizable dashboard

Effective bookkeeping tools

Accessible learning resources

User-friendly interface

Slow issue resolution

Poor customer support

Limited inventory management

Lack of live support

Underdeveloped mobile access

See pros and cons details
FreshBooks logo

FreshBooks

Reviews Sentiment
 
 
 
1-2(82)
3-4(1,765)
5(2,655)
Key Features
Accounting4.5
Invoice Processing4.6

User insights about the bank reconciliation feature

Reviewers value FreshBooks' bank reconciliation for its simplicity and time-saving capabilities. They appreciate the automated matching of bank transactions and the integration with multiple bank accounts. Users also highlight the ease of importing bank statements and the ability to quickly identify discrepancies. However, some mention issues with bank feed connections and the accuracy of the automatic matching feature.

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“Bank reconciliation in FreshBooks is very handy feature for keeping financial records accurate. It helps me ensure that my records match those of my bank, reducing errors and making it easier to spot discrepancies. I just love it.”
CV

Charles V.

Designer

“By using FreshBooks for bank reconciliation, users can save time and reduce errors in their financial records. Rather than manually comparing their bank statement to their accounting records, FreshBooks users can simply import their bank statement into the software and match each transaction with the corresponding record in the system. This process helps to ensure that all transactions are accurately recorded and eliminates the risk of double-entry errors.Furthermore, using FreshBooks for bank reconciliation can help businesses to improve their cash flow management. By reconciling their bank statement regularly, businesses can quickly identify any discrepancies or issues with their financial records and take action to resolve them. This can help to prevent overdrafts, bounced checks, and other financial problems that can impact a business's cash flow.”
RS

Riya S.

Virtual Bookkeeper

Starting price
21flat rate /
per month
visit website
Pros and Cons based on 4,502 verified reviews

Cloud accounting accessibility

Efficient invoicing capabilities

Tailored for small businesses

Minimal learning curve

Effective freelancer tools

Reliance on internet connection

Limited bank integration

High costs for larger teams

Frequent technical issues

See pros and cons details
Sage Intacct logo

Sage Intacct

Reviews Sentiment
 
 
 
1-2(22)
3-4(299)
5(270)
Key Features
Accounting4.7
Invoice Processing4.5

User insights about the bank reconciliation feature

Reviewers indicate that Sage Intacct's bank reconciliation feature is functional and easy to use. They appreciate the automation of the reconciliation process and the ability to upload bank statements for automatic matching. Users also value the clear and comprehensive reporting. However, some find the process initially difficult to understand and mention that it could be less clunky.
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“I like that Sage Intacct's Bank Reconciliation feature helps automate the process of reconciling an organization's bank accounts. It can quickly identify and detect any discrepancies between the company's bank account and the company's general ledger. This allows an organization to quickly resolve any issues and keep its financials up to date.”
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Devendra K.

Manager

“I like that I can upload the bank statement and Sage auto matches as much as it can for the month. Saving me time.”
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Marlene A.

Director of Finance and Systems

Starting price
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No pricing info

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Pros and Cons based on 591 verified reviews
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Cloud-based flexibility

Comprehensive dashboard features

Scalable for business growth

Challenges in issue resolution

High costs and complex pricing

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QuickBooks Online logo
Reviews Sentiment
 
 
 
1-2(454)
3-4(3,126)
5(4,748)
Key Features
Accounting4.5
Invoice Processing4.4

User insights about the bank reconciliation feature

Users find QuickBooks Online's bank reconciliation feature user-friendly and efficient. They appreciate the automatic syncing with bank accounts, which simplifies the reconciliation process and reduces manual data entry. Reviewers also value the ability to quickly identify discrepancies and generate reconciliation reports. However, some users experience issues with bank connections and occasional errors in transaction matching.
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“Quickbooks Online can be linked to your bank to help speed up bank reconciliation - cleared payments and deposits within the time period get automatically selected for you to review and verify.”
TS

Tracey S.

Treasurer

“QuickBooks Online makes it easy to reconcile bank accounts by automatically syncing with your bank accounts and categorizing transactions. This helps businesses ensure that their financial records are accurate and up-to-date.”
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Elisabetta B.

Ecommerce Manager

Starting price
38flat rate /
per month
Pros and Cons based on 8,328 verified reviews
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Cloud-based accessibility

Ideal for small businesses

Seamless integrations

Comprehensive accounting features

Efficient tax management

Frequent bugs and crashes

Limited desktop features

Recurring costs and price increases

Inadequate customer support

Complicated transaction management

See pros and cons details

Other Top Rated Accounts Payable Software with Bank Reconciliation in 2026

Melio logo

Melio

Accounts payable platform for businesses of all sizes

visit website
Melio is a B2B payments platform designed to improve finances and back-office operations for businesses of all sizes. Pay vendors in and out of the U.S. by bank transfers or card—even where cards aren’t accepted. Sync with QuickBooks and Xero, automate scheduling, and set up approval workflows.

Read more about Melio

Users also considered
NetSuite logo

NetSuite

AI-powered cloud-based business management suite

visit website
Streamline the process using AI to review, approve & pay invoices with NetSuite’s cloud accounting software. Processes such as transaction matching, journal entries, approvals and reconciliations are automated eliminating manual data entry, and time and effort required to process bills is minimized.

Read more about NetSuite

Users also considered
QuickBooks Enterprise logo

QuickBooks Enterprise

Category Leaders

Enterprise accounting, FSM and inventory management solution

visit website
QuickBooks Desktop Enterprise is an accounting software for small businesses which provides users with real-time access to customer, employee, and vendor information. The software includes tools for managing inventory, shipping, sales orders, pricing, tasks, invoicing, reporting, and more.

Read more about QuickBooks Enterprise

Users also considered
MIP Accounting logo

MIP Accounting

Fund accounting for government organizations and nonprofits

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MIP Fund Accounting is a comprehensive, configurable fund accounting solution. With its end-to-end suite of functionality and multi-segmented chart of accounts MIP is designed to meet and handle the complex financial management and fund accounting needs of nonprofit and government organizations.

Read more about MIP Accounting

Users also considered
ZarMoney logo

ZarMoney

Category Leaders

Cloud-based accounting solution for businesses of all sizes

visit website
ZarMoney is a cloud-based accounting solution designed to assist businesses of all sizes with the management of inventory and finances. Key features include team collaboration, quote generation, invoicing, transaction tracking, remote access, and approval workflows.

Read more about ZarMoney

Users also considered
Fidesic logo

Fidesic

Accounts Payable Automation Designed for Dynamics GP & BC.

visit website
Accounts Payable for Fidesic is the best way to manage your entire Accounts Payable approval process with our web-based approval workflow system. With Fidesic's AP automation for mutli-entity businesses, you can manage invoices across multiple locations or facilities from anywhere.

Read more about Fidesic

Users also considered
Odoo logo

Odoo

All-in-one open-source business software

visit website
Odoo Accounting helps you to manage your daily accounting easily and have a global view of the state of your business. Features include: bank synchronization, automatic invoices, recurring billing management, reconciliations, and more.

Read more about Odoo

Users also considered
Yooz logo

Yooz

Category Leaders

AI-powered accounts payable automation platform

visit website
Yooz is a cloud-based accounts payable automation solution designed to help enterprises streamline their financial workflow with artificial intelligence (AI) & machine learning technologies, plus ERP integration, document management, purchase-to-pay workflow approval, & more

Read more about Yooz

Users also considered
SoftCo AP Automation logo

SoftCo AP Automation

Cloud-based AP automation solution

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SoftCo AP is a powerful cloud-based AP Automation solution that reduces the cost of processing vendor invoices by 80%. It automates vendor invoicing processes including capture, registration, coding, approval, query, reporting, & ERP payment. SoftCo works with companies who process 50k+ invoices pa.

Read more about SoftCo AP Automation

Users also considered
Accounting Seed logo

Accounting Seed

Accounting and analytics software built on Salesforce

visit website
Manage your credit cards, accounts payable, and purchasing with the click of a button. Accounting Seed customers have shortened their accounts payable process by up to 70%. Visit: https://www.accountingseed.com/the-product/paying-vendors

Read more about Accounting Seed

Users also considered
Order.co logo

Order.co

Simplify every aspect of buying for your business

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Order.co simplifies buying for businesses. Eliminate manual purchasing & payment tasks to create one place to purchase, approve, and pay for the products your business needs.

Read more about Order.co

Users also considered
SAP Concur logo

SAP Concur

Travel, expense and invoice, automated and in control

visit website
See your spending clearly. Manage it proactively. Know the status of every vendor invoice immediately. Make it all easy with Concur.

Read more about SAP Concur

Users also considered
Plus & Minus logo

Plus & Minus

Accounting and ERP accounting in real-time

visit website
Real-time accounting and ERP accounting software in the cloud or on-premises offering automated processes and transaction recording, reporting, and analysis

Read more about Plus & Minus

Users also considered
Eleven logo

Eleven

Cloud accounting software tailored for accounting firms

visit website
Eleven is a cloud accounting app that helps small and medium-sized accounting firms to streamline and scale their practice. You can automate bookkeeping for every client without falling back on Excel.

Read more about Eleven

Users also considered
QuickBooks Online logo

Accounting and business management software

QuickBooks Online automatically updates the Accounts Payable accounts in your chart of accounts as soon as you enter a new bill or pay outstanding bills.

Read more about QuickBooks Online

Users also considered
FreshBooks logo
Category Leaders

Invoice and accounting software tailored to small businesses

FreshBooks is accounting software that helps small business perform accounting tasks, conduct invoicing, manage expenses, and more.

Read more about FreshBooks

Users also considered
Dynamics 365 logo

ERP and CRM applications from Microsoft

Microsoft Dynamics 365 is a multi-language, multi-currency enterprise resource planning (ERP) software. The solution is designed for midsize and larger companies, and is fully customizable and extensible through its rich development platform and tools.

Read more about Dynamics 365

Users also considered
Xero logo
Category Leaders

Cloud-based accounting software for small businesses

Reduce admin, pay your bills on time and get an overview of where your business is spending money with accounts payable software. Use Xero to pay bills from suppliers by scheduling payments, receiving invoices and prioritizing bills.

Read more about Xero

Users also considered
QuickBooks Desktop logo

Comprehensive business management solution

QuickBooks Desktop provides a comprehensive business management solution that integrates accounting, payroll, inventory, and multiple company management functionalities. The software offers industry-specific editions tailored for manufacturing, wholesale, contractors, and accountants, with features like advanced reporting, job costing, and automated pricing rules. Users can enhance their experience with cloud hosting capabilities that enable remote access and team collaboration.

Read more about QuickBooks Desktop

Users also considered
QuickBooks Online Advanced logo

Accounting & business management for small businesses

QuickBooks Online Advanced streamlines accounts payable with automated bill entry, approval workflows, and detailed reporting.

Read more about QuickBooks Online Advanced

Users also considered
ExpensePoint logo

Mobile automated expense reporting for employees

ExpensePoint is a mobile expense management solution for small to large multinational enterprises that automates employee expense report processes. Features include receipt reading and imaging, approval routing, credit card uploading, and policy enforcement. The platform serves all global markets and is accessible via any web browser or Android or iOS mobile device.

Read more about ExpensePoint

Users also considered
Patriot Accounting logo
Category Leaders

Cloud-based accounting and payroll software

Accounting Basic $20/mo - flat rate, unlimited use
Accounting Premium $30/mo - flat rate, unlimited use
Pay unlimited bills to vendors and 1099 contractors. At the end of the year, you can e-file the 1099 and 1096 and print 1099s for your contractors.

Read more about Patriot Accounting

Users also considered
Zoho Books logo
Category Leaders

Online accounting software for businesses of all sizes

Zoho Books is an online accounting software designed to streamline back office operations, automate workflows, and allow secure collaboration with accountants

Read more about Zoho Books

Users also considered
Payoneer logo

Send and receive money locally and internationally

Payoneer is a cross-border payments platform available in over 200 countries and 150 currencies, with multiple payout options

Read more about Payoneer

Users also considered
Precoro logo

Procurement Software That Centralizes, Automates, and Drives

Automate your financial operations to ensure smooth month-end-close. AI-powered OCR, approval workflows, 3-way matching, budgeting, etc.
Precoro will be indispensable primarily for companies in the construction, manufacturing, wholesale, retail, and healthcare industries

Read more about Precoro

Users also considered

Key features for Accounts Payable software

Based on GetApp's analysis of verified user reviews collected between July 2021 and August 2024.

  • Accounting: Reviewers appreciate the detailed record-keeping, real-time financial visibility, and automated processes, which simplify financial management and reporting. 97% of reviewers rated this feature as important or highly important.
  • Invoice Processing: Users highlight the time-saving automation features such as OCR, approval workflows, and accurate data extraction, which streamline and speed up invoice management. 94% of reviewers rated this feature as important or highly important.
  • General Ledger: Reviewers value the comprehensive tracking of financial transactions, easy journal entry creation, and the ability to generate detailed financial reports. 94% of reviewers rated this feature as important or highly important.
  • Expense Tracking: Reviewers find the expense tracking feature helpful for detailed categorization, easy report generation, and integration with corporate cards for comprehensive expense management. 92% of reviewers rated this feature as important or highly important.
  • Billing & Invoicing: Users appreciate the ability to quickly generate, customize, and send invoices, along with automated reminders and integration with payment solutions, enhancing efficiency and accuracy. 92% of reviewers rated this feature as important or highly important.