If your customers pay by bank transfer, ERPNext's native Payment Entry and Bank Reconciliation Tool leave you doing the hardest part by hand. A finance clerk stares at a bank statement, guesses which incoming credit belongs to which Sales Invoice, hunts for a half-remembered reference in the narration field, and manually creates and matches Payment Entries one by one. For B2B and emerging-market merchants where transfer is the dominant rail, this is slow, error-prone, and it delays order fulfilment because you cannot confirm payment in real time. ERPNext gives you the accounting ledgers and a basic reconciliation screen, but it has no concept of a per-invoice collection identity, no automated ingestion of the incoming payment stream, and no way for a customer to prove they paid.

We build a proper Frappe app that closes that gap. At its core is a Virtual Account DocType that mints a unique collection identity — a dedicated IBAN/account number where your bank supports virtual accounts, or a deterministic reference code (for example INV-2026-00042-7Q) where it does not — bound to a specific Sales Invoice or customer. A Bank Statement Import DocType plus a mapped parser ingests statements (CSV/MT940/CAMT.053, or a bank API pull via a scheduled job) into Bank Transaction rows, and a matching engine scores each incoming credit against open invoices by virtual-account number, reference code, amount, and payer name. High-confidence matches auto-create and submit the Payment Entry against the correct invoice via a server-side whitelisted method; ambiguous ones land in a review queue for a human to confirm with one click.

Technically it ships as a versioned Frappe app installed onto your bench — new DocTypes, a dedicated module, hooks.py doc_events (on Sales Invoice submit we provision the virtual account / reference; on Bank Transaction insert we run matching), server scripts and whitelisted API methods for the reconciliation logic, and scheduler_events for the periodic statement pull and stale-reference cleanup. Customers get a portal page (or a Web Form) to see exactly where to send funds and to upload a proof-of-payment, which posts through the Frappe REST API and raises a review task. Access is governed by role profiles and permission rules so that AR clerks reconcile, approvers confirm, and auditors read — with the full Frappe audit trail behind every posted entry. It targets Frappe/ERPNext v15 and v16, and integrates with your existing Chart of Accounts, bank accounts, and multi-currency setup rather than sitting beside them.

Because every bank's statement format, rail (SEPA/IBAN vs local domestic transfer), and provisioning capability differs, this is build-to-order rather than a one-click marketplace download. We start with a short scoping call to confirm your banks, rails, statement formats, and matching tolerances, then build against your actual data on a staging bench. Typical delivery is 2-4 weeks from confirmed scope. You receive the installable source for your version, a documented install and configuration on staging, UAT, and a supported go-live — not a black box.