Authorize.Net deposits in AUD but reports in USD transaction amounts. Xero's bank feed shows the AUD deposit, while the gateway report shows USD totals. Every reconciliation had $0.50-$2.00 rounding variances from currency conversion. The tool reformats with settlement-date amounts that match the actual bank deposit, eliminating the FX noise.
Authorize.Net Xero Reconciliation Tool
or drop files here .csv, .xls, .xlsx, .xlsm (up to 50 MB)
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Invoice import blocked if Sales Tax enabled in QBO
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Xero Reconciliation CSV Format
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| $ |
|---|
+ more rows
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invalid rows skipped from preview
credits
| Row | Column | Value | Error |
|---|---|---|---|
Showing first 50 errors. more errors not shown.
more errors hidden. Download the full validation report to see all errors.
Validation Report Download
The download includes your original file with an added "Validation Error" column showing error messages for each row. Valid rows have an empty error column.
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Reconcile Authorize.Net payment settlements with Xero bank accounts. Match gateway deposits to bank transactions effortlessly.
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Reconciliation Questions Answered
Which account should I import to?
Create 'Authorize.Net Clearing' account in Xero, then reconcile against your actual bank account.
How do I reconcile Authorize.Net fees?
In Xero's reconciliation section, enter the merchant fees as an adjustment to match the deposit amount. Name it 'Merchant Fees' and allocate it to your fees expense account.
How often should I reconcile Authorize.Net?
Reconcile daily or after each batch settlement. This helps catch discrepancies early and ensures your financial records stay accurate.
How Reconciliation Works
1
Export from Authorize Net
Payments → Manage Transactions → Download
2
Upload and Configure
Upload Transaction Details Export CSV and choose Bank Statement format
3
Preview and Download
Review converted data, download Xero-ready file
4
Import to Xero
Accounting → Bank Accounts → Select Account → Import Statement
Discrepancies are highlighted with clear match and mismatch indicators — review differences at a glance.
How People Use This
Authorize.Net's batch cut-off time meant Friday afternoon transactions wouldn't settle until Monday. My Xero bank reconciliation always had a gap at month-end because the last batch of the month deposited in the next month. Now I reconcile by settlement date instead of transaction date and the month-end close is clean.
A client had 14 unmatched transactions in Xero spanning three months. They were all authorization holds that Authorize.Net voided but never settled — so there was no bank deposit to match against. The tool filters to settled-only transactions, which stopped the phantom entries from cluttering the reconciliation queue.
I never understood why my Authorize.Net statement showed $4,200 in sales but my bank only received $3,980. The $220 difference was processing fees deducted before deposit, but Xero had no record of the fees because I was only importing the bank feed. The reconciliation file now includes fee lines so everything balances in my clearing account.
Reconciling Authorize.Net Payments in Xero
The Reconciliation Gap
Authorize.Net settles payments to your bank account, but matching individual transactions
in Xero against batch deposits is time-consuming without proper data format.
Reconciliation-Ready Files
We format Authorize.Net data specifically for Xero reconciliation:
Settlement dates match bank deposit dates, net amounts match deposits,
invoice numbers preserved for matching.
Secure, Private Reconciliation
Row-by-Row Matching
Records matched row by row. Mismatches surfaced clearly for review.
Runs in Your Browser
Both files compared in your browser. Nothing uploaded to any server.
GDPR Compliant
No data stored or transmitted. Full EU privacy compliance.
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One-time credit bundles are valid for one year. Subscription credits refresh monthly. You can use credits across any tool, anytime.
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Yes! Full refund within 14 days if no credits used. Partial refund for unused credits anytime. Contact sup@spreadsheetbroccoli.com.
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Field Mapping
How Authorize_Net Transactions fields map to Xero Bank Statement
| Authorize_Net Transactions | Source Value | Xero Bank Statement | Target Value | Note | |
|---|---|---|---|---|---|
Settlement Date/Time |
01/16/2025 02:15:30 |
→ | Date |
01/16/2025 02:15:30
|
Extract date, convert to DD/MM/YYYY or MM/DD/YYYY |
Settlement Amount |
149.99 |
→ | Amount |
149.99
|
Positive for sales, negative for refunds |
Customer Name |
John Smith |
→ | Payee |
John Smith
|
Billing customer name |
Invoice Number |
INV-2025-001 |
→ | Reference |
INV-2025-001
|
For bank statement matching |
Why Reconcile Your Data First?
Settlement Matching
Dates and amounts match bank deposits
Reference Preservation
Invoice numbers for matching
Quick Reconciliation
Format in 60 seconds
No API Setup
Works with standard CSV exports. No technical setup required.
60-Second Processing
Upload, convert, download in under a minute.
No Monthly Fees
Pay per use only. No subscriptions or recurring charges.
Data Transformation
Each Auth.net transaction becomes one Xero bank line
Input
Transaction Detail
One row per transaction from Auth.net
Key columns:
Transaction ID,
Settlement Date/Time,
Settlement Amount
1:1 — One input row creates one output row
Output
Bank Statement Line
1 rows per
input
One bank transaction per Auth.net settlement
Transaction
Direct amount mapping with refund sign conversion
Only settled transactions included; refunds converted to negative
Common Bank Statement Import Errors
Issues you might encounter when importing Transaction Details Export data to Bank Statement - and how we solve them
Xero Date Format Mismatch
Xero rejects dates not matching your organization's region format
01/15/2025 (US format for UK/AU Xero org)
15/01/2025 (DD/MM/YYYY for UK/AU)
Select correct date format (US or UK/AU) in tool options
Check your Xero organization region settings and re-convert
Unsettled Transactions Excluded
Only settled transactions can be imported to bank accounts
Status: authorizedPendingCapture
Status: settledSuccessfully
Tool automatically filters to settled transactions only
Wait for transactions to settle before exporting from Auth.net
Refund Amount Signs
Refunds must be negative in Xero bank imports
Refund shown as positive $50.00
-$50.00 in Xero Amount column
Tool automatically converts refund statuses to negative amounts
Refunds are detected and sign-flipped automatically
Frequently Asked Questions
Your data never leaves your device. All files are processed entirely in your browser using client-side JavaScript - no data is stored on our servers or sent anywhere. There's no account to hack, no database storing your files, and no API connections to your bank or accounting software. You upload, convert, download, and we forget it immediately.
No payment or signup required. You can upload your file, see a free preview of the conversion results, and verify everything looks correct before paying anything. If it doesn't work for your files, you haven't wasted any money. We only charge when you're satisfied and ready to download the final converted file.
You can, but free scripts and AI often miss edge cases that break real-world data: missing SKUs, currency formatting quirks, tax calculation errors, or date format mismatches. We have battle-tested validators specifically designed for accounting software imports that catch these issues before they corrupt your books. Plus, you get instant browser-based conversion without installing Python or managing dependencies.
Create 'Authorize.Net Clearing' account in Xero, then reconcile against your actual bank account.
Group by settlement date in Xero and match totals against bank deposits.
In Xero's reconciliation section, enter the merchant fees as an adjustment to match the deposit amount. Name it 'Merchant Fees' and allocate it to your fees expense account.
Refunds may not sync automatically depending on your integration tool. Ensure your integration is configured to sync refunds from Authorize.Net to Xero, or enter them manually.
Settlements batch every 24 hours after your cut-off time (default 4 PM PT) and fund within 2-3 business days. Delays may occur during holidays or if your cut-off time was recently changed.
Reconcile daily or after each batch settlement. This helps catch discrepancies early and ensures your financial records stay accurate.
Check for missing transactions, duplicate entries, unrecorded fees, or pending settlements. Review both Authorize.Net and Xero for transaction mismatches by amount or date.
Test transactions won't settle. Only captured and settled transactions appear in your bank statement and Xero, so avoid reconciling test payments.
Use your integration tool's historical sync feature to download previous transactions. Select which ones to import to Xero to backfill your reconciliation.
Transactions may be filtered by date range, failed to sync due to errors, or not yet settled. Check your integration logs and ensure your date range is correct.
Authorize Net → Xero Data Ecosystem
All available data flows from Authorize Net to Xero
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