Payment Matching

After connecting your bank, OntarioLandlord uses AI to match incoming deposits to your tenants. This saves time and ensures accurate rent tracking.

How Matching Works

When a transaction syncs from your bank, our AI analyzes:

Factor	Weight	Example
Amount	High	$2,000 matches a $2,000/month lease
Timing	Medium	Deposit on the 1st matches rent due on the 1st
Memo/Description	Medium	"E-transfer from John Smith" matches tenant John Smith
History	High	Previous payments from same source

Confidence Scores

Each match suggestion includes a confidence score:

Score	Meaning	Action
90-100%	Very high confidence	Auto-match available
70-89%	Good match	Review recommended
50-69%	Possible match	Manual review needed
Below 50%	Low confidence	Likely needs manual assignment

Reviewing Suggestions

1. Go to Payments → Payment Suggestions
2. Review each pending suggestion
3. For each suggestion:
   • Confirm - Accept the match and record payment
   • Reject - Not a rent payment (ignore)
   • Reassign - Match to a different lease

Match Breakdown

Click on a suggestion to see the match breakdown:

Amount Score:     95%  ($2,000 vs $2,000 rent)
Date Score:       80%  (Received 2nd, due 1st)
Memo Score:       70%  (Contains tenant name)
Historical Score: 100% (3 previous matches)
─────────────────────
Overall:          87%

Auto-Matching

For high-confidence matches (90%+), you can enable auto-match:

1. Go to Settings → Integrations
2. Enable "Auto-confirm high confidence matches"
3. Transactions scoring 90%+ are automatically recorded

Review Regularly

Even with auto-match enabled, review the Payment Suggestions page weekly to catch any errors.

Handling Partial Payments

If a tenant pays less than the full rent:

1. Transaction is flagged as "partial match"
2. You can confirm and it records as partial payment
3. Remaining balance stays on the rent ledger

Handling Multiple Properties

If you have multiple leases with the same rent amount:

1. AI uses additional signals (memo, timing, history)
2. Lower confidence scores when ambiguous
3. Review and assign manually if needed

Tips for Better Matching

1. Consistent tenant payments - Encourage e-transfer with name in memo
2. Separate accounts - Use dedicated rental income account
3. Regular review - Check suggestions weekly

Next Steps

Review Payment Suggestions