The verdict in three sentences
Manual B2B payment reconciliation costs 3-5 days/month of accounting work and creates errors on partial or grouped payments. An automatic reconciliation module (payment/invoice/ERP matching) costs 6,000-18,000 EUR to build, reaches 90-98% automatic matching and is maintained for 400-900 EUR/month. Wiring goes through PSP webhooks and robust reference matching; budget 5 to 9 weeks.
Manual vs automated: what changes
| Criterion | Manual reconciliation | Automated reconciliation |
|---|---|---|
| Accounting time / month | 3 - 5 days | 0.5 - 1 day |
| Matching rate | manual, variable | 90 - 98% automatic |
| Monthly close delay | T+8 to T+12 | T+2 to T+4 |
| Matching errors | 2 - 5% of lines | < 0.5% |
| Partial/grouped payments | Handled by hand | Automatic rules |
| Setup cost | 0 (but hidden HR cost) | 6,000 - 18,000 EUR |
| Recurring cost | Staff time | 400 - 900 EUR/month |
The gain is not just time: the monthly close moves from T+10 to T+3, improving cash management and cutting wrong dunning of clients who already paid.
The PSP-ERP flow to wire
| Step | Source | Action | Watch-out |
|---|---|---|---|
| 1. Payment received | PSP webhook | Capture amount, reference, date | Idempotency, redelivery |
| 2. Invoice identification | ERP / billing | Match by reference/amount | Grouped payments |
| 3. Matching | Rules engine | Automatic clearing | Cents tolerance |
| 4. Unresolved cases | Exception queue | Targeted manual review | < 10% of lines |
| 5. Accounting entry | ERP export | Generate cleared entry | Compliant format |
| 6. PSP payout | Settlement report | Match net paid / fees | Separate PSP fees |
The classic trap: confusing the collected amount (gross) and the amount paid out by the PSP (net of fees). The module must clear the invoice at gross and record PSP fees as a separate expense, otherwise the close never balances.
Mini case study
Lee, a controller at a distribution SME in Singapore (1,200 invoices/month), spends 4 days/month matching payments and invoices. Loaded cost: 4 days x 8 h x 45 EUR = 1,440 EUR/month, i.e. 17,280 EUR/year. The reconciliation module (12,000 EUR + 600 EUR/month) reaches 95% automation: only 0.5 day/month of review remains, i.e. 180 EUR/month. Net saving: 1,440 - 180 - 600 = 660 EUR/month (7,920 EUR/year) — the module pays back in ~18 months, on top of a close 7 days earlier.
FAQ
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What does a B2B reconciliation module cost in Singapore in 2026?
Between 6,000 and 18,000 EUR depending on the number of rules, the ERP to connect and invoice volume. Add 400-900 EUR/month of maintenance.
What automation rate is realistic?
Realistically 90 to 98%: remaining cases are grouped, partial or wrong-reference payments, handled in an exception queue.
How many days per month are saved?
Usually 3 to 5 days of accounting work, plus a monthly close brought forward several days (often from T+10 to T+3).
Do we need to change ERP?
No in most cases: the module connects to your ERP via API or import/export and generates compliant entries without migration.
How are PSP fees handled in reconciliation?
The invoice is cleared at the gross collected amount and PSP fees are booked as a separate expense, matched against the net payout. This is essential for an accurate close.
Let's scope your project. Tell us your invoice volume, ERP and PSP: we price the reconciliation module and the days/month saved. Detailed quote within 48 h. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
