Smart Merge — 100 PDFs into one reconciled Excel
Upload a whole year of statements — across months, accounts and even different banks — and get back a single, reconciled Excel workbook. Smart Merge matches every bank's columns to one canonical schema, removes duplicates, and tracks the source file for every row.
Up to 100 PDFs · any bank · duplicates removed · source-tracked · balance-validated
The problem: one file at a time doesn't scale
Converting a single statement is easy. The pain is volume: a year of statements across several accounts, or a month-end pile of invoices, from banks that each use different column names and layouts. Convert them one by one and you're left aligning columns, de-duplicating overlaps and re-keying — for hours.
Smart Merge exists to remove this entire job. Background reading: how accountants consolidate a year of statements in minutes.
How Smart Merge works
Upload PDFs
Drop up to 100 — any bank, any month, any account.
OCR & extract
Each statement read page by page, scanned or digital.
Match columns
Different layouts mapped to one canonical schema by meaning.
Validate
Balances, duplicates and missing pages checked.
One workbook
Every transaction in a single reconciled Excel.
Every bank's columns, one schema
Smart Merge recognises that "Debit", "Money Out", "Withdrawal" and "Belastung" all mean the same thing, and maps them to one canonical column — by meaning, not position or language.
| Source columns (any bank) | Canonical |
|---|---|
| Date, Datum, Value Date, Posting Date | Date |
| Description, Narrative, Details, Memo | Description |
| Debit, Money Out, Withdrawal, Paid out | Amount (−) |
| Credit, Money In, Deposit, Paid in | Amount (+) |
| Balance, Running Balance, Closing Balance | Balance |
| Source statement file name | Source File |
What you get
Up to 100 PDFs at once
A full year across accounts in a single batch.
Canonical column matching
Any bank, any layout, any language → one schema.
Duplicate detection
Overlapping statements never double-count.
Balance validation
Every statement reconciled before it's written.
Source tracking
Each row references its origin file — audit-ready.
Export anywhere
Excel, CSV, QBO, QFX, OFX or Xero.
Before and after
| Task | By hand | Smart Merge |
|---|---|---|
| 12 statements | 2–4 hours | Minutes |
| Multiple banks | Manual column mapping | Automatic |
| Duplicate checks | Easy to miss | Automatic |
| Balance validation | Line by line | Automatic |
| Source tracking | None | Per row |
| At higher volume | More files = more hours | Flat effort |
Related tools: merge PDFs to Excel, bulk PDF to Excel, merge invoices into one spreadsheet.
Who uses Smart Merge
Accountants
Turn a client's whole year of statements into one reconciliation-ready file in a single pass.
Bookkeepers
Kill the most repetitive job in the calendar — re-keying months of transactions.
Small businesses
See cash flow across every account without paying for hours of data entry.
E-commerce
Consolidate payout and fee data from multiple providers into one dataset.
Finance teams
Build pivot-ready reporting that spans the full year and every entity.
Lenders & auditors
Turn a borrower's year of statements into one searchable, traceable file.