Bank, PayPal and payouts matched to their invoices.
Bank lines, PayPal and marketplace payouts land in laeuft and are matched to their invoices. Clear cases assign themselves, unclear ones become proposals, and open items and dunning follow from the same truth.
Bank & payouts
October · 317 of 318 matched · 1 needs you
Qonto
API · live
Postbank
FinTS · 06:00
PayPal
API · live
AMAZON PAYMENTS EUROPE S.C.A.18,442.17Payout · 142 invoicesMatchedStadtwerke Musterstadt RE-2026-103802,180.40RE-2026-10380MatchedPayPal · T. Krämer58.70RE-2026-10392MatchedMUSTER ELEKTRO KG SAMMELZAHLUNG3,104.204 invoices · payment adviceMatchedDEUTSCHE POST DHL−4,218.66DHL invoice OctoberMatchedUEBERWEISUNG OHNE VERWENDUNGSZWECK129.00RE-2026-10399 · assignedMatchedThe problem
Money arrives in five places, the invoices are in a sixth.
Bank, PayPal and every marketplace pay out on their own schedule, with their own references. Matching them by hand takes days each month, and a missed payment ends in a reminder to a customer who already paid.
How it works
From bank line to closed item, step by step.
Bank accounts
QontoAPI · every 10 minPostbankFinTS · BestSign appAny other bankCAMT · MT940 · CSVRead-only: laeuft never moves money
01
Connect, or drop a file
Qonto via its API, Postbank via FinTS with confirmation in the bank’s app. Any other bank as CAMT, MT940 or CSV statement into the same feed.
AmazonPayout · 21 Oct€18,442.17
142 invoices20,591.403 refunds−42.93Fees & ads−2,106.30Matched to the cent
02
Payouts split up
Marketplace payouts and PayPal are read via API and split into orders, refunds and fees, so each part can be booked on its own.
Incoming payments
bookedMuster Elektro KG1,240.00„RE 2026-000398 VIELEN DANK“
Assigned · reference in purpose
S. Yilmaz54.80„BESTELLUNG“
Proposal · amount fits 2 invoices
03
Matched by rules
laeuft looks for invoice and order numbers in the purpose, exact open amounts and approved payer accounts. Unique cases assign themselves once the transaction is booked.
Payment advice
from the mailboxMuster Elektro KG
RE-2026-102111,240.00RE-2026-10244612.40RE-2026-10302834.60RE-2026-10355417.201 transfer, 4 invoices€3,104.20
04
Advices split the rest
When a business customer pays many invoices in one transfer, laeuft reads the payment advice from PDF, e-mail or CSV and assigns each item, including cash discounts.
Open items
€11,795.8022 invoices
Not due189,802.401 to 14 days overdue21,268.00Over 30 days2725.4005
Open items stay current
Every confirmed assignment reduces the open item right away. A fully paid prepayment order can be released for picking without anyone checking the bank.
Muster Elektro KG
Draft · not sentLevel1st reminderInvoice2026-000377Open€412.00New deadline7 daysPDFSent by hand06
Dunning as drafts
A dunning run proposes only what is really overdue and unpaid, and creates drafts with a PDF. A person sends them or discards them.
The details
The matching rules in detail.
- Strictly read-only
- laeuft reads accounts, balances and transactions. It cannot make transfers or move money.
- Qonto every ten minutes
- New transactions are fetched every ten minutes; a daily recheck covers the last 14 days for late changes. The first import goes back 90 days.
- Postbank via FinTS
- The standard banking interface with decoupled TAN: you confirm in the bank’s app, nothing is typed into laeuft. Your PIN is stored encrypted for your company only.
- Every other bank as a file
- CAMT.052/053/054 (also zipped), MT940 and the CSV exports of Qonto and Postbank. Files land in the same feed as the connected banks; only booked entries count.
- History that can’t be rewritten
- Each transaction is stored once; every new or changed observation adds an event such as “pending → booked”. Events can only be added, never edited.
- What counts as unique
- References whose open amounts add up exactly; one reference with a smaller amount (partial payment); exactly one fitting subset; or an approved payer account with exactly one fitting amount.
- Everything else is a proposal
- Overpayments, ambiguous references or a name match without a reference stay proposals for a person. Pending transactions never assign automatically.
- Open item, defined
- Invoice minus corrections minus confirmed assignments. Invoice and prepayment orders are open items; payments a marketplace collects itself are not.
- Prepayment released by the bank
- When confirmed payments fully cover a prepayment order, laeuft can release it for picking. It is a setting; undoing the assignment or a chargeback takes the release back.
- Payment advices, read not guessed
- Advices arrive as PDF, e-mail or CSV. Items, total and paid amount must agree, otherwise the advice is marked inconsistent and books nothing. Cash discounts become their own booking.
- Dunning levels as settings
- Payment reminder, 1st and 2nd reminder, each with days, fee and new deadline (defaults 7/14/14 days, no fee). Default interest is off unless you switch it on.
- When laeuft never dunns
- Without a connected bank, before the due date, with a manual dunning block, for two working days after a payment hint, below €1, or while the deadline of the previous level runs.
Questions
Good to know.
Can laeuft transfer money?+
No. The bank connections are read-only. laeuft reads transactions to match them and to prepare bookings; payments stay in your banking app.
My bank isn’t Qonto or Postbank.+
Then you load statements as files: CAMT, MT940 or CSV. They go into the same feed, and matching, open items and bookings work exactly the same.
What happens with a payment laeuft can’t place?+
It becomes a proposal with the likely invoices. You confirm, pick the right ones or leave it. Until then, a payment hint keeps the invoice out of dunning for two working days.
Does laeuft send dunning letters by itself?+
No. A dunning run creates drafts with a PDF in the same layout as your invoices. A person sends them and marks them as sent, or discards them. Only then does the next level start counting.
And marketplace payouts?+
Payments a marketplace collects are not open items. laeuft reads the payouts of Amazon, eBay, Shopify, Kaufland, the Mirakl marketplaces and PayPal and splits them into orders, refunds and fees for your books.
We onboard sellers one at a time.
Tell us where you sell and how you ship, and we’ll show you laeuft on your own orders.