Reconciliation

Verify that your ledger balances match your bank statements. DayZero uses AI to parse statements and deterministic matching to suggest transaction pairs.

How It Works

Upload a bank statement (PDF, CSV, or Excel) for a ledger and statement period
AI parses the statement into structured transaction lines
Matching engine pairs statement lines with ledger transactions in that period
Review suggested matches — approve, reject, or match manually
Complete the reconciliation to lock it and mark the transactions reconciled

Status	Meaning
`pending`	Created, processing not started yet
`processing`	Parsing the statement and running matching
`ai_matched`	Suggestions ready for review
`in_review`	A user is approving/rejecting matches
`completed`	Locked; matched transactions flagged `reconciled`
`failed`	Processing failed — `POST …/start` retries it

Create a Reconciliation

From File Upload

The ledger and statement period are query parameters; the file is the multipart body:

bash

curl -X POST "https://api.ondayzero.com/api/v1/reconciliations/upload?ledger_id=BANK_LEDGER_UUID&start_date=2026-03-01&end_date=2026-03-31&opening_balance=1250000&closing_balance=1387550" \
  -H "Authorization: Bearer dz_your_token_here" \
  -H "x-business-id: YOUR_BUSINESS_ID" \
  -F "file=@statement.pdf"

ledger_id, start_date and end_date are required. opening_balance / closing_balance are in cents and let DayZero validate the reconciliation before completion; when the parser finds balances on the statement itself, those are stored too. Files up to 50 MB are accepted. Processing starts automatically unless you pass auto_start=false.

From an Uploaded S3 Key

If the statement was already uploaded (see File Uploads):

bash

curl -X POST "https://api.ondayzero.com/api/v1/reconciliations" \
  -H "Authorization: Bearer dz_your_token_here" \
  -H "x-business-id: YOUR_BUSINESS_ID" \
  -H "Content-Type: application/json" \
  -d '{
    "ledger_id": "BANK_LEDGER_UUID",
    "start_date": "2026-03-01",
    "end_date": "2026-03-31",
    "source_type": "manual",
    "statement_s3_key": "statements/march-2026.pdf",
    "statement_filename": "march-2026.pdf",
    "opening_balance": 1250000,
    "closing_balance": 1387550
  }'

source_type is manual (uploaded statement — statement_s3_key required) or plaid (reconcile against the synced bank feed for the period, no file needed).

Review Matches

Poll GET /api/v1/reconciliations/{reconciliation_id} until status is ai_matched. The response lists statement lines with their suggested ledger transactions and confidence scores.

bash

# Approve one match (one statement line ↔ one or more ledger transactions)
curl -X POST "https://api.ondayzero.com/api/v1/reconciliations/{reconciliation_id}/matches/approve" \
  -H "Authorization: Bearer dz_your_token_here" \
  -H "x-business-id: YOUR_BUSINESS_ID" \
  -H "Content-Type: application/json" \
  -d '{"statement_txn_id": "STATEMENT_LINE_ID", "ledger_txn_ids": ["TRANSACTION_UUID"]}'

# Approve everything the engine is confident about
curl -X POST "https://api.ondayzero.com/api/v1/reconciliations/{reconciliation_id}/matches/bulk-approve" \
  -H "Authorization: Bearer dz_your_token_here" \
  -H "x-business-id: YOUR_BUSINESS_ID" \
  -H "Content-Type: application/json" \
  -d '{"min_confidence": 0.9}'

…/matches/reject and …/matches/bulk-reject discard suggestions; approving with your own ledger_txn_ids creates a manual match. POST …/explain-matches asks the AI to explain why each pair was suggested.

Check the Balance

bash

curl "https://api.ondayzero.com/api/v1/reconciliations/{reconciliation_id}/balance" \
  -H "Authorization: Bearer dz_your_token_here" \
  -H "x-business-id: YOUR_BUSINESS_ID"

Reports whether opening balance + net matched transactions = closing balance, and the difference if not.

Complete a Reconciliation

After reviewing matches:

bash

curl -X POST "https://api.ondayzero.com/api/v1/reconciliations/{reconciliation_id}/complete" \
  -H "Authorization: Bearer dz_your_token_here" \
  -H "x-business-id: YOUR_BUSINESS_ID" \
  -H "Content-Type: application/json" \
  -d '{"skip_balance_check": false}'

Completion validates the balance (pass "skip_balance_check": true to override), locks the reconciliation, and marks matched transactions as reconciled. GET …/pdf downloads the reconciliation report once completed.

List Reconciliations

bash

curl "https://api.ondayzero.com/api/v1/reconciliations?status=in_review&limit=20" \
  -H "Authorization: Bearer dz_your_token_here" \
  -H "x-business-id: YOUR_BUSINESS_ID"

This endpoint uses limit / offset paging rather than cursors.