ERP development · Bank reconciliation
Bank reconciliation software in the UAE exists because every bank exports a different file and most accounting packages cannot read half of them. Finance teams end up ticking lines on a printed statement against the cash book, which is slow and misses duplicate receipts and bank charges. e-tijariX, offered, implemented and supported by Next Orbit, imports statements in 22 UAE bank formats and matches each line to an invoice, bill, payroll run or gateway settlement already in the ledger.
Quick answer
Bank reconciliation software in the UAE imports a bank statement, pairs each line with a transaction in the books and reports what is left unexplained. e-tijariX, offered, implemented and supported by Next Orbit, reads statements from 22 UAE banks in CSV, Excel, PDF, MT940 and CAMT.053 formats. Smart matching uses amount, date, reference and customer name to pair lines with invoices, supplier bills, payroll runs and gateway settlements, then proposes charges, interest and transfers for the remainder. Open-banking feeds are ready to connect so statements arrive automatically.
What we deliver
Pick a deliverable to see what it covers and the part of the stack behind it.
Deliverable 01
Upload a statement in the format your bank provides, including PDF, and the lines appear ready to match. Each bank account remembers its format, so the second month takes a drag and drop.
From the stack
Deliverable 02
Rules compare amount, date window, payment reference and payer name against open invoices, bills and payroll. Partial payments, combined settlements and rounding differences are handled with suggested splits for review.
From the stack
Deliverable 03
Daily payouts from PayTabs, Network International, Checkout.com, Telr, Stripe, Tabby, Tamara and cash-on-delivery couriers are matched to the orders they cover, with fees posted as expenses.
From the stack
Deliverable 04
Where your bank supports it, a feed delivers statements into e-tijariX without a download. Connectors carry a status and test button, and Next Orbit switches them on with your credentials.
From the stack
Deliverable 05
Unmatched lines are grouped as charges, interest, transfers or unknown, each posted with one click. The reconciliation statement, the matcher and the posting date are kept in the audit log.
From the stack
Swipe to see every deliverable →
Part of our ERP development service. The same architecture-first process, quality control and support apply; tell us the problem and one of our expert engineers will map it to a plan.
Discovery CallFrom its office in Dubai, Next Orbit sets up reconciliation for businesses in Dubai, Abu Dhabi, Sharjah and across the UAE and GCC.
The work maps each of your bank accounts to its statement format, tunes the matching rules to your payment references and trains the person who closes the month. Where your bank offers an open-banking feed, the connector is switched on with your credentials so statements arrive without a download.
A month-end reconciliation done by hand delays the close, hides unapplied receipts and lets duplicate supplier payments go unnoticed until the supplier mentions it.
A customer transfer is matched to the invoice it settles, a gateway payout to the day it covers and a payroll debit to the WPS run, with charges posted to the right accounts.
UAE banks export PDF, Excel, CSV, MT940 and CAMT.053 with different column layouts; a tool that reads only one leaves the rest to be retyped.
Bank account mapping, matching rules tuned to your references, open-banking connection where available, a first reconciled month and support for the finance team.
Architecture-first
Before a line of production code is written we draw the system: the people who use it, the services behind it and the systems it must talk to. This reference architecture from our ERP development practice is the starting point we adapt to your operation.
Flow 01 Inventory Finance & accounting Reports & Power BI
Flow 02 Sales Finance & accounting Reports & Power BI
Flow 03 Procurement Finance & accounting Reports & Power BI
Flow 04 Projects & assets Finance & accounting Reports & Power BI
Flow 05 HR & payroll Finance & accounting Reports & Power BI
Technology stack
Chosen per project from tools we run in production. Pick a category to see the part of the stack behind it.
How it runs
5 stages, each with a deliverable you can review and sign off before the next begins.
A demo on Next Orbit sample data, then a list of your bank accounts, the formats each exports and the typical references customers use.
Each bank account is linked to a ledger account and its statement format, with opening balances agreed to the last reconciled statement.
Matching rules are tuned on a real month of statements so recurring payers, payouts and charges match without manual help.
Open-banking feeds and gateway settlement imports switched on with your credentials, tested against a live statement and a day of real payouts.
The finance team reconciles a month with Next Orbit beside them, then continues with support as new banks or gateways are added.
Who it is for
Companies holding accounts at several UAE banks who want one reconciliation routine and one matching screen instead of a different export and method for each bank.
Stores receiving gateway payouts and courier remittances that need matching to hundreds of small orders, with fees separated from the sales they settle.
Wholesalers whose customers pay by transfer with unclear references, leaving receivables unapplied and statements that dealers dispute at the end of each month.
Accountants who want the bank done weekly so the month-end pack is about review rather than data entry, and the VAT return starts from reconciled figures.
Platforms we offer
e-trainia is our own platform; e-tijariX, MeezanX and AuthentiQ we implement and support. Each can be customised for your operation.
B2B + B2C commerce, inventory & ERP
Dealer and consumer sales, multi-warehouse stock, procurement and VAT accounting on one product master.
B2B + B2C one store, one stock figure
Explore e-tijariXQuestions, answered
It imports a bank statement, matches each line to invoices, bills, payroll or settlements in the ledger, and lists what remains unexplained so it can be posted. e-tijariX does this inside the same system that raised the invoices, so matching is against live data rather than an export.
e-tijariX imports statements from 22 UAE banks in CSV, Excel, PDF, MT940 and CAMT.053. Each bank account keeps its own format setting. If your bank changes its export layout, Next Orbit updates the mapping as part of support.
Open-banking feeds are ready to connect where a bank offers them, so statements arrive without a download. Where a bank has no feed, the monthly or daily statement file is uploaded instead. Both routes land in the same matching screen.
Rules weigh amount, date, payer name and any partial reference, then suggest the most likely invoice or group of invoices. The accountant confirms or corrects, and the system learns the payer for next time. Nothing posts without a confirmation.
Yes. A payout from a payment gateway or a courier remittance is matched to the orders it covers, with gateway fees and courier charges posted to expense accounts. The orders are marked settled and the bank line is cleared in one step.
Yes. Each company in a group keeps its own bank accounts and reconciliation, and a company switcher moves between them in one login. Inter-company transfers can be matched on both sides. See multi-company accounting.
Receipts matched to tax invoices confirm which sales were paid in the period, and bank charges with VAT are posted with the right code. The VAT 201 boxes draw from posted transactions, so a reconciled bank means fewer adjustments. This is not tax advice.
Further reading
Bank reconciliation for UAE businesses: statement import in CSV, PDF, MT940 and CAMT.053, suggested matches, rules that learn and open banking feeds.
The VAT 201 return errors UAE businesses make most often, from emirate boxes to reverse charge imports, and how VAT accounting software prevents them.
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What happens next
A Discovery Call maps your operation to a plan: what to build first, what it connects to and how it goes live.
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