Ceibaro matches your bank deposits to AR invoices automatically, surfaces every exception with a clear explanation, and never posts anything without your approval. Up and running before your next close.
Book a 20-Minute DemoMatched on customer PO PO-COR-31204, which maps to INV-2024-10205, and exact amount.
Matched explicitly on Invoice INV-2024-10257 in payment reference and exact amount.
Matched on customer name and the exact sum of 3 open invoices.
Matched on customer PO PO-COR-31204, which maps to INV-2024-10205, and exact amount.
Matched explicitly on Invoice INV-2024-10257 in payment reference and exact amount.
The problem
Cash application is the last process to finish before close — and because it's manual, it's always the bottleneck. The hours spent matching add up. But the downstream problems they create are worse.
AR reconciliation, revenue confirmation, the report to ownership — none of it closes until deposits post. Because the matching takes too long to run daily, most teams batch it two or three times a week. That's why the close is late every month, and why it's always the same process at the bottom of the stack.
Cash that hit your bank but hasn't posted yet shows as outstanding in your AR aging. Your collections team calls customers who already paid. Your Controller is making decisions based on an incomplete picture — cash sitting in the bank that isn't reflected in the financials is invisible working capital the business can't act on.
A single misapplied payment means 2–4 hours to investigate, reverse the entries in your accounting system, and re-match — usually at month-end when time is shortest. And when the auditor asks how cash was applied in October, a spreadsheet only one person understands is not a defensible answer.
Your AR person does fine. But the matching logic lives in a spreadsheet only she fully understands. One vacation, one resignation, one bad week — and the close falls apart. The process works until it doesn't, and there's no backup plan.
How it works
No IT ticket. Export a CSV from your bank and drop it in. On QuickBooks Online, connect your company once and Ceibaro pulls your open invoices for you. On any other system, upload a CSV export of them.
Each deposit comes back with a suggested match, a confidence score, and a plain-English explanation of why it was made. One click to confirm. Anything uncertain goes to the exception queue for your judgment. Nothing posts automatically.
Approve the matches you're confident in and resolve the exceptions that need your judgment. On QuickBooks Online, approved matches post straight to your company, with no file to import. On any other system, export a file formatted for it. Cash posts the same day.
Why Ceibaro
Your bank records deposits. Your accounting system posts them. The process between those two systems — matching, reconciling, resolving exceptions — is where your close gets delayed and your AR aging goes stale. Neither side can hold that process alone. Ceibaro is purpose-built for the gap.
Every suggested match shows exactly which rule fired, the confidence score, and the reason in plain English. No AI black box. When you're in a close review and someone asks why a payment was applied to a specific invoice, you can show them. Every decision is auditable — by you, your Controller, and your auditor.
Export a CSV from any bank and drop it in. No bank credentials, no IT involvement, no changes to your accounting system, no access to your inbox. On QuickBooks Online, Ceibaro connects directly: open invoices come in and approved matches post back, with no files. On any other system, invoices come in as a CSV and matches go back as a file formatted for it.
Run Ceibaro through your first month-end close at no cost, with no credit card. If you don't see value, walk away. And every exception you resolve teaches the system — the alias, the PO format, the subsidiary relationship. The exception queue gets shorter every month.
How it compares
| Your Spreadsheet | Your Accounting System's Auto-Apply | Enterprise Suite | Ceibaro | |
|---|---|---|---|---|
| Setup | Already running | Already running | 6–18 months | 30 minutes |
| Payee mismatches & PO payments | Manual, every time | Exact name match only | Yes, at enterprise price | Map once, resolves forever |
| One payment, multiple invoices | Find the matching invoices yourself | Not supported | Yes, with months of setup | Finds the right invoices automatically. You confirm. |
| Explains every match | You explain it | It matches or it doesn't | AI-powered — no explanation when wrong | Rule, confidence score, and reason on every match |
| Short pays & discount deductions | Buried in spreadsheet | Variance flagged, no context | Exception workflow | Flagged with variance amount and reason code |
| Price | 8–15 hrs/month of AR time | Included — handles straightforward cases only | $2,000–$10,000+/month | $499/month |
Not your spreadsheet
The matching logic lives in one person's head. One resignation and the close falls apart.
Not your accounting system's auto-apply
Auto-apply handles the straightforward cases. The complex ones still land on your desk.
Not an enterprise suite
Six-month implementations and $2,000+/month contracts built for companies three times your size.
Map Once, Remember Forever
The first time a customer pays under their parent entity's name, or references their own PO numbers instead of your invoice numbers, you make the call. Ceibaro remembers it. Every future payment from that customer is matched automatically — the alias, the PO format, the relationship between entities. The exception pile shrinks every month because every problem you resolve stops being a problem.
Month 1
~70%
auto-matched
Month 3
80–88%
auto-matched
Month 6+
88–93%+
auto-matched
Pricing
Accurate AR aging from day one. Collections chasing the right customers. A close cycle that doesn't slip because cash application isn't done yet.
Billed annually ($5,988/year). Or $599/month billed monthly.
Security
Ceibaro is built on enterprise-grade infrastructure with security practices designed for finance teams handling sensitive AR data.
No bank credentials stored. No direct connection to your bank accounts. You export a CSV from your bank and upload it. You control exactly what you share.
Your company's transactions, invoices, and match history are completely isolated. No other organization can see your data.
Every match decision is logged with the rule that fired it, the confidence score, and the user who approved it. Nothing posts without explicit approval.
FAQ
No. You export a CSV from your bank and upload it, with no bank login and nothing for IT to install. On QuickBooks Online, whoever manages your QuickBooks company connects Ceibaro once. On any other system, you upload a CSV export of open invoices and import the file Ceibaro exports. No changes to your accounting system either way.
Get started
No credit card required.