A2A Reconciliation Workbench + Reference Generator

Input Mode CSV upload or paste raw data

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Bank Statement

Drop CSV here or click to browse
Columns: date, amount, reference, description

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Internal Ledger

Drop CSV here or click to browse
Columns: date, amount, reference, description

Match Settings Configure tolerance

Date Tolerance (days)

Amount Tolerance ($)

Fuzzy Ref Threshold (%)


#	Bank Date	Bank Ref	Bank Amount	Ledger Date	Ledger Ref	Ledger Amount	Match Type	Confidence


#	Date	Reference	Amount	Description


#	Date	Reference	Amount	Description

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No reconciliation run yet

Upload or paste two CSV files, then click "Run Reconciliation".
Or click "Load Sample Data" to see a live demo.

Generate Compliant Payment References ISO 20022 · NACHA · SEPA CRF

ISO 20022 End-to-End ID pain.001 / pacs.008

Originator Code (2–4 chars)

Payment Date

Sequence / Invoice Number

Generated End-to-End ID

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Format: [ORIG][YYYYMMDD][SEQ][RANDOM4]
Max 35 chars · A–Z, 0–9, hyphens only · Unique per instruction

NACHA Individual ID ACH Entry Detail

Company / Originator Prefix (up to 6 chars)

Invoice / Reference Number

SEC Code

Generated Individual ID (15 chars)

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Format: [PREFIX]-[INV]-[SEQ]
Max 15 chars · Alphanumeric + hyphens · Positions 40–54 of Entry Detail record

SEPA Creditor Reference (CRF) ISO 11649

Raw Reference String

Validate Existing RF Reference

Generated RF Reference

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Format: RF[DD][REF] where DD = ISO 11649 MOD-97 check digits
Max 25 chars · Validation uses full MOD-97 algorithm

Validation Results Live CRF Check

Enter an existing RF reference in the "Validate" field on the left to check its MOD-97 checksum validity.

CRF structure: R F [2 check digits] [up to 21 chars]

Used in: SEPA Credit Transfer (SCT), SEPA Instant (SCT Inst), SEPA Direct Debit (SDD), UK Faster Payments.

Bulk Reference Generator

Quantity (1–50)

Format

Base Prefix

What this tool does

Tool 09 of the AINumbers.co A2A Fintech Suite has two modes: Reconciliation Workbench — upload or paste two CSVs (bank statement + internal ledger) to auto-match transactions and surface discrepancies; and Reference Generator — generate ISO 20022 End-to-End IDs, NACHA Individual IDs, and SEPA CRF (ISO 11649 RF) references with full checksum validation.

Matching logic

Exact match: amount within tolerance AND date within ±N days. Confidence: 100%.
Fuzzy match: Reference strings compared using Levenshtein similarity. Triggered when exact match fails. Confidence proportional to similarity score.
Aging: Unmatched items bucketed by days since transaction date: 0–30, 31–60, 61–90, 90+.
Net difference: Sum of all bank amounts minus sum of all ledger amounts. Any non-zero figure flags a potential error.

Reference generation logic

ISO 20022 End-to-End ID: Constructed as [ORIG][DATE][SEQ][RAND4], padded to max 35 chars, uppercase alphanumeric + hyphens only.
NACHA Individual ID: Alphanumeric, max 15 chars, fits NACHA Entry Detail record positions 40–54. Truncated cleanly if too long.
SEPA CRF (RF Reference): Full ISO 11649 MOD-97 checksum calculation. Format: RF + 2 check digits + reference (max 21 chars). Validation also uses MOD-97.

Privacy & data handling

All CSV parsing and matching runs in your browser using the FileReader API and pure JavaScript. No data is uploaded to any server. Files are processed in-memory and discarded when you close or reset the tool.