How does OWNER Pay match a bank transfer to a sales invoice?
How OWNER Pay recognizes a bank transfer and matches the payment to the right sales invoice.
When a debtor pays by bank transfer, OWNER Pay automatically matches the payment to one or more outstanding sales invoices. Here's how that works.
OWNER Pay is being replaced by OWNER Wallet (expected end of 2026). You keep the same account; your account just needs to be verified again.
In this article
Unique account number per debtor
With OWNER Pay, each debtor gets their own unique account number. That number belongs to exactly one combination of debtor and the owner sending the sales invoice, and it's shown on the sales invoice.
That way, OWNER Pay always knows which debtor a payment is for, even if:
- the sender's name is different;
- the payment comes from a different bank account;
- the description is empty or unclear.
In what order are payments matched?
| Step | What does OWNER Pay do? |
|---|---|
| 1. Reference | If the debtor includes a reference that exactly matches one outstanding sales invoice, the payment is matched to that sales invoice. |
| 2. Exact amount | No usable reference? Then OWNER Pay looks for a combination of one to five outstanding sales invoices from this debtor that together add up to exactly the amount paid. If there are multiple combinations, OWNER Pay chooses the smallest group; if they're the same size, the group with the oldest sales invoices. |
| 3. Oldest first | If there's no exact combination, as many full sales invoices as possible are paid, starting with the oldest. |
| 4. Balance | If there's money left over after that, it becomes a balance for the debtor. See What is a debtor's balance?. |
Frequently asked questions
Do I need to do anything when a payment comes in?
No. OWNER Pay marks the sales invoice as paid automatically. You see the payment under Financial > Payments.
What if the tenant pays to a different account number?
Read What happens if a tenant pays to the wrong account number?.
Still need help?
Contact support:
- Chat: via the help center (chat button at the bottom right)
- Email: support@owner.app
- Call or WhatsApp: +31 591 799 602