Link your bank for real-time transaction feeds, or bring in statements from CSV, Excel, and PDF. Intelligent categorization handles the heavy lifting so you can focus on analysis.
Try It FreeThis unedited capture shows ten fresh bank transactions arriving uncategorized. A single click on AI Categorize sorts all ten — and every row carries the AI’s reasoning plus a confidence score, so approval takes seconds instead of an afternoon.
Part 4 of the “Can your accounting software do THIS?” series — Next: the statement that reads itself →
Link your financial institutions directly to Kantivo. Transactions flow in on their own -- no file exports, no drag-and-drop, no repetitive steps. Press Sync and your latest activity is right there.
If your books are in Canada, your bank now feeds Kantivo directly. RBC, TD, Scotiabank, BMO, CIBC, National Bank, Desjardins and Tangerine all connect, and the monthly ritual of exporting a QFX and fixing the date format afterwards is finished. Practices carrying a mix of Canadian and American client files finally run both the same way.
Go to Bank Feeds, press Connect a bank and say which country the account is in. Your banking sign-in happens inside your bank's own window, so Kantivo never receives your password. Then tell it which ledger account the feed belongs to. Everything that arrives waits in your review queue for approval before it reaches the books.
When your primary aggregator can't reach a specific institution, the secondary Stripe Financial Connections path picks up the slack. Both networks are bundled into your subscription -- nothing extra to configure, nothing extra to pay.
Toggle the alternate connector on with a single click. If your bank fails to load on the first attempt, the secondary path usually finds it.
Looking after 10, 30, or 100 client files? Every connected bank can carry a custom connection label -- typically the client company name -- so accounts never get tangled across companies.
Tag every connection with a meaningful client name. No more guessing which Wells Fargo belongs to which client.
Type a client name, partial keyword, or the last four digits to filter the mapping dropdown instantly.
Click the pencil beside any connection to change its label -- no need to disconnect and reconnect.
Managing books for clients who do not have their own Kantivo installation? Send them a one-time secure link to authenticate with their bank. Their credentials never touch your system — only read-only transaction data flows back to your installation.
Clients authenticate directly with their bank through Stripe's secure widget. You never see their login credentials.
Each invitation expires automatically. Once redeemed, it cannot be reused — keeping your client's data safe.
When a client completes the link, the account appears in your bank connections panel automatically on your next refresh.
Want to work with downloaded files? Place your PDF bank or credit card statements right into Kantivo and Kantivo Core AI reads them the way a bookkeeper would — no per-bank templates, no fixed list of supported institutions. If your bank can produce a statement, Kantivo can read it.
Most software matches your statement against a rulebook written for a handful of banks. Change the layout — a credit card statement with two dates per line, a reference number column, section headings worded differently — and the rulebook comes up empty. Kantivo reads the document instead, so an unfamiliar layout is simply another statement.
Pick the approach that fits your institution and workflow, or combine all three for full coverage.
Link your accounts directly. Activity arrives automatically with one press.
Upload PDF statements from any bank or credit card. Kantivo Core AI reads every line item, whatever the layout.
Bring in CSV, Excel, QBO, OFX, or QFX files. Compatible with virtually every financial institution.
After import, each transaction passes through a multi-stage classification engine. The vast majority are sorted automatically; you only handle the outliers.
Bring in your data
Auto-classify
Handle outliers
Commit to ledger
Transaction Matching lays each bank line out on a single row -- date, description, payee, account, Spent and Received in their own columns, status, and a one-click Accept. A month of activity fits on one screen instead of scrolling past tall cards, and because money in and money out sit in separate columns, direction never depends on color alone. The grid honors the same appearance settings as your registers, so gridlines, shading, row height and text size are set once and carried everywhere.
Each transaction is evaluated through progressively deeper layers of confidence before reaching your review queue.
High-confidence assignments based on your established mapping rules. Approve them right away.
Identified through custom criteria you define -- description keywords, amounts, or vendor patterns.
AI-driven suggestions derived from historical transaction patterns. Easy to verify with one click.
Unfamiliar or one-off transactions that require your manual input for proper categorization.
Appears to overlap with an entry already on your ledger. Confirm or dismiss the match as needed.
Verified and approved. Queued for posting to your general ledger.
Train Kantivo to recognize your recurring transactions. Every rule fires automatically on future imports, eliminating repetitive manual sorting.
A wire to a contractor covering labor, permits and a materials reimbursement is three postings wearing one amount. Tools that allow a single category per imported line force you to pick the nearest one — and that choice quietly distorts whichever account absorbed the difference.
Kantivo adds a 📔 action to every pending row in Transaction Matching. Selecting it launches the General Journal Entry screen pre-loaded from that row: transaction date, memo text and reference carried over, the originating bank or card account on line one, and the figure seated on the correct side automatically. Enter the remaining lines, post once debits and credits agree.
Where a charge divides by identical percentages month after month, a mapping rule remains the better instrument. This action exists for the transaction whose division changes every time.
It can. Choose the 📔 action on any pending row and Kantivo opens a journal entry with the bank side already placed on the correct side for you. Add as many offsetting lines as the payment genuinely requires. Posting marks the row imported and keeps it tied to the entry, so Undo continues to work on it.
Bank Feeds — United States: Over 5,000 US financial institutions are available, spanning major banks like Chase, Bank of America, Wells Fargo, Capital One, and the majority of regional credit unions.
Bank Feeds — Canada: Canadian institutions connect as well, including RBC, TD, Scotiabank, BMO, CIBC, National Bank, Desjardins and Tangerine. Coverage of smaller credit unions is thinner than in the US; where a feed isn't offered, statement import handles the account exactly as before.
It can. Every connected account appears on a single Bank Feeds screen no matter which side of the border it sits on, and each is mapped to its own ledger account. A bookkeeper looking after a Saskatoon retailer and a Seattle consultancy manages both from the same list. Kantivo also checks the currency when you map an account: aim a CAD feed at a USD ledger account and it stops to confirm, because that particular mistake is silent and expensive.
Manual Import: Any institution that provides CSV, Excel, QBO, OFX, or QFX exports -- essentially all of them. QuickBooks Online exports are also accepted. PDF parsing covers most major US banks including Chase, Bank of America, Wells Fargo, Capital One, Citi, and others.
Switch over to the secondary Stripe Financial Connections path. Both networks ship with every Kantivo subscription, so you have two independent routes to the same bank. Most institutions that fall through one cracks are found by the other.
Yes. Every bank connection accepts a custom label -- typically the client's company name. Labels appear next to the institution in your connections list and are also used to group accounts inside the mapping dropdown. A search box at the top of the dropdown lets you filter by client name, bank name, or the last four digits of the account.
Kantivo cross-references date, amount, and description fields to ensure the same transaction is never imported a second time. The "Potential Duplicate" stage also flags entries that may overlap with records you entered by hand.
Absolutely. Credit card statements are processed identically to bank statements, letting you track card expenses and reconcile balances in the same workflow.
Simply reassign the category before you accept. You can also define a new rule at that point so future transactions with similar attributes are classified correctly from the start.
From within Manage Bank Connections you click Request Client Bank Link, enter your client's email, and optionally add a personal note. Kantivo sends them a secure one-time link valid for 48 hours. The client authenticates with their bank on their own device through Stripe's encrypted widget — their credentials are never visible to you. Once they finish, the linked account automatically appears in your bank connections on the next sync.
Yes. The invitation uses a single-use cryptographic token with a 48-hour expiry. Stripe Financial Connections is PCI-compliant and provides only read-only access to balances and transactions. No money can ever be moved, and your client can revoke the connection from their bank's own portal at any time.
Bring your bank activity in within seconds. The matching engine takes care of the rest.