Home Credit Card Reconciliation Why do I have unmatched or partially matched transactions and how do I fix them?

Why do I have unmatched or partially matched transactions and how do I fix them?

Last updated on Sep 08, 2026

Short Answer: Unmatched or partially matched transactions usually result from identifier mismatches, incorrect amount mapping or sign differences — inspect the rows, check file mappings, correct data and re-run.

PreRequisites

  1. A reconciliation has been run and you can view the 'Partially matched' or 'Unmatched' tabs.

  2. Ability to edit Configure file settings for both files.

Steps

  1. Open the 'Partially matched' or 'Unmatched' tab on the results page to list problematic transactions.
    You see transactions that did not fully match.

  2. Click a row to view 'Matched transaction details' and check the 'Difference' column and 'Match basis'.
    You can see why the match failed missing identifier, amount difference, etc.

  3. Open each file's Configure file modal and confirm Reference / Identifier columns match across both files. Add additional identifiers if needed.
    Both files expose comparable identifiers for matching.

  4. Verify 'How is the amount represented' setting and Credit/Debit mapping. Note helper text: Credit file shows 'Net amount = Credit - Debit'; Books shows 'Net amount = Debit - Credit'.
    Amount signs and fields are consistent across both files.

  5. Correct source data normalize identifiers or adjust amounts if necessary, then re-run reconciliation.
    Previously unmatched items may move to Fully matched or Partially matched depending on corrections.

  6. Use 'Add filter' to isolate the remaining problematic rows and repeat inspection.
    Easier identification and resolution of remaining issues.

Troubleshooting

  1. All amounts are off by a sign or show large differences.
    LikelyCause: Credit and Debit mappings reversed or wrong 'How is the amount represented' option selected.
    Action: Open Configure file for both files and set the correct amount representation, then re-map the 'Credit amount' and 'Debit amount' fields appropriately.

  2. Identifiers look similar but don't match e.g., spacing or prefixes.
    LikelyCause: Formatting differences between files.
    Action: Normalize identifier values in source files trim spaces, unify prefixes or select additional identifier columns that align between files.

Note: Start with mapping checks Date, amount type, Reference / Identifier before changing source data.