Fuga can read a bank statement file and automatically match the incoming bank transfers to your open invoices. For every match it registers a payment on the invoice and sets the invoice to paid. This saves you from marking transfers off one by one.
What it does and how matching works
Matching is done on the structured payment reference that the customer used for the transfer. Fuga looks up the open invoice that carries the same reference and books the payment on it.
Two file formats are supported: CAMT.053 (the ISO 20022 XML format, recommended) and the older Belgian CODA format. Both work in the same way. Cash and card payments taken at the desk never appear in a bank file, so this only concerns bank transfers.
How to import a file
- Go to Bookkeeping => Actions.
- Choose "Upload and process CAMT.053 file", or "Upload and process CODA file" for a .cod file.
- Drag the file into the upload field or select it. For CODA you can also upload a .zip that contains several .cod files.
- Confirm to process the file.
Fuga then reads every transfer in the file and registers the matched payments.
The result screen
After processing, Fuga shows the outcome in three tables:
- New payments — transfers that were matched to an invoice and booked as a new payment.
- Payments already present — transfers that were skipped because the invoice already had an identical payment.
- Overpayments — payments that were booked but that push the invoice above its outstanding amount. Those invoices get the status "Paid too much".
Above the tables you may see a message for each transfer that could not be matched:
- "No invoice present with structured message ..." — no open invoice was found with that reference, so nothing was booked. Register this payment by hand.
- "Multiple invoices with structured message ..." — more than one invoice carries that reference, so Fuga did not book it automatically. Handle it manually.
When is a payment skipped as "already present"?
Before booking, Fuga checks whether the invoice already has a payment with exactly the same amount and the same date. If this is the case, the payment is skipped.
Why an invoice ends up "Paid too much"
An invoice appears in the Overpayments table whenever the imported transfer brings the total paid above the invoice amount. The payment is still registered, with the remark "CAMT.053 Overpaid: ..." (or "CODA Overpaid: ..."). The usual causes are:
- The invoice was already paid — by a transfer you registered by hand — and the same amount then also comes in through the file (on another date).
- The transfer carried the wrong structured reference and matched an invoice it did not belong to.
Go through every invoice listed under Overpayments and undo the payment that should not be there. Open the invoice (Bookkeeping => Reports => Invoices) or the client's Financial tab, click the amount in the Payment column, set it to 0.00 and save. Fuga then recalculates the invoice status automatically. If the payment belonged on another invoice, register it there afterwards with the payment method Transfer.