What is automatic payment matching?
Taxorio can read your bank notifications and match an incoming payment to the right invoice. Just set up forwarding of your bank's emails once — from then on, invoice payments get matched on their own. For a clear match (the variable symbol and the exact CZK amount both line up), Taxorio marks the invoice as paid right away. For less certain matches it puts the match up for your approval — you confirm it with one click in the Bank section.
Processing an email usually takes just a few seconds.
How it works
- Your bank sends a notification about a received payment (email, or an SMS forwarded as email).
- You forward it (or set up automatic forwarding) to your unique Taxorio email.
- AI reads the payment — it recognises the amount, variable symbol, date and the sender's IBAN.
- Taxorio looks for the invoice — it compares the parsed data against all your open invoices.
- Matching — for a clear match (variable symbol + exact CZK amount), the invoice is marked as paid right away. Other suggestions show up in the Bank section under the Pending approval filter, where you confirm them with one click.
Turning it on in Settings
- Go to Settings → Payment matching.
- Click the Enable button.
- Under Your forwarding email you'll see a unique address (it looks like
platby-xxxxx@taxorio.cz) — copy it with the Copy email button. Next to it is a Change address link, in case the address ever leaks. - Under Select your bank, click your own bank — Taxorio shows you the exact path to set up notifications (see below).
- Under Email notifications, choose when Taxorio should let you know (see below).
Settings only holds the configuration for this feature. You manage the payments themselves, and their history, in the Bank section.
Setting up forwarding at your bank
Notification vs. statement — which is better?
We recommend forwarding instant payment notifications (notification emails). Your bank sends one the moment a payment lands on the account — one payment = one email → AI gets clean data → the fastest and most accurate processing.
- Payment notification (recommended) — a short email saying "Your account received a payment of X CZK from Y". It arrives immediately after the payment, contains exactly one transaction → the fastest, most accurate processing. Even a forwarded SMS works as an email.
- Monthly or weekly statement — one email with dozens of transactions. AI processes all of them, but it's slower and can be less accurate. Useful if your bank doesn't offer notifications.
How to set up forwarding at the most common banks
The steps are similar for every bank — look in your online banking for a Notifications or Alerts section and turn on email notifications for received payments.
Taxorio shows you the exact path itself — in Settings → Payment matching, under Select your bank, just click your own bank:
- Komerční banka — Settings → Notifications → Payments → Incoming → Email → Add recipient. Note: KB only allows one address — if you already have your own email there, set up forwarding directly in your email client.
- ČSOB — Settings → My info → Accounts & payments → select account → Posted payment → enter email.
- Fio banka — Settings → SMS & email alerts → Movements → Add alert → Email.
- Česká spořitelna (George) — profile icon (top right) → Info messages → Incoming payments → Activate → select account → Email channel → enter address.
- Raiffeisenbank — Settings → Notifications → Create alert → Incoming · min. CZK 0 → enter email.
- Another bank — look for Notifications or Alerts → Incoming payments → Email. Forwarding from your own email client works too.
If you're not sure, simply forward payment notification emails by hand — just forward each payment notification to your Taxorio address. Taxorio itself recognises whether an email contains payment information — it silently ignores anything that isn't a payment.
What to send
Taxorio understands any email that contains payment information — there's nothing to format or prepare. Just forward it, or set up automatic forwarding of your bank's email. The system handles plain text and HTML email, PDF attachments and screenshots alike.
Taxorio works with all the common banks in the Czech Republic and Slovakia — Raiffeisenbank, ČSOB, Komerční banka, Fio banka, mBank and others.
What Taxorio can read
AI understands a wide range of formats:
- Bank notification emails (plain text and HTML)
- PDF account statements
- MT940 files (a standard banking format)
- CSV and XML exports from online banking
- Screenshots of notifications (JPG, PNG)
The Bank section — payment overview
You'll find all incoming payments in the left-hand menu under Bank (URL: app.taxorio.cz/bank). This item is part of the PRO plan — on the Free plan the link takes you to Subscription instead. Next to each filter you'll see how many payments fall into it.
On the Bank page you work with the overview using the filters at the top:
- Pending approval — payments waiting for your confirmation
- Matched — payments successfully confirmed
- Unmatched — payments for which no matching invoice was found
- All — the complete history, plus full-text search
Payments are grouped by sender, date and email subject. Each group shows a status badge and a Match all button, if you want to approve every payment in the group at once. If the email had attachments (PDF, XML, etc.), you'll find download buttons for them next to the group.
Approving and rejecting a payment
Every payment row has three actions:
- Approve (green button with ✓) — the invoice is marked as paid on the payment date
- Reject (✕) — you confirm the action once more; the payment then moves to unmatched and the invoice stays open
- Invoice (a link with a document icon) — opens the matched invoice; for a credit note the link is called Credit note
A payment in a different currency than the invoice. If a payment in CZK arrives for a euro invoice (or the other way round), Taxorio converts it using the CNB rate for the day of payment, and lets you approve it when it's off from the invoice amount by no more than 3% (for small amounts, always at least one unit of currency) — the bank converts at its own rate, not the CNB rate. On the payment row you'll also see the conversion itself ("CZK 24,300 ≈ EUR 1,004, CNB rate 24.19"). For a foreign-currency invoice, income then reflects what actually landed on the account, not the invoice amount; koruna received against a foreign-currency invoice is recorded exactly as it arrived, with no further conversion, and the rate difference against the invoice is shown in the detail only for information. For a koruna invoice paid in euros, income instead always reflects the invoice amount — the euros aren't converted, the conversion is only used to check that the payment matches. Such a payment is never matched automatically — you always confirm it yourself. The CNB rate is a precondition here: confirmation can't go ahead until we can compare the amounts — if the rate can't be fetched, Taxorio says so and you can either try again in a moment, or mark the payment manually on the invoice detail. A payment in a third currency (say, Polish złoty against a euro invoice) can't be converted at all — resolve that kind of payment manually.
Less arrived on the account than expected (a bank fee). For a foreign payment, the bank deducts its fee along the way, directly from the transferred amount — so, say, EUR 985 arrives instead of the invoiced EUR 1,000. If the shortfall is no more than 2% of the invoice amount (and always at least 30 units of currency, so the threshold doesn't get lost on small amounts, but never more than 10% of the invoice), Taxorio treats such a payment as covering the whole invoice: the document is marked paid, EUR 985 goes into income, and the invoice detail shows a Bank fee €15.00 line. If more is missing, it's a partial payment with a remaining balance — which we can't track yet, so the approval is refused and you can mark the invoice as paid manually. This only applies to invoices in a foreign currency — the fee is deducted by the correspondent bank on a foreign payment, whereas on a koruna invoice a shortfall is always a partial payment. And it only applies to payments you approve yourself; automatic matching stays strict (0.2%).
Wrong match — how to change the invoice
If AI matched a payment to the wrong invoice, click the Change matching link under the payment row (for a payment without an invoice yet, it's called Match document). A searchable picker opens with all your open invoices — pick the right one and confirm.
For a payment that was already matched, Taxorio warns you that the original invoice will go back to unpaid, and only re-matches once you confirm. You can also remove the assignment entirely with the Remove assignment button.
When a new invoice would be marked paid straight away by the payment, Taxorio checks the amount exactly the same way as on approval: a payment that doesn't cover the invoice (a partial payment, or a currency-conversion difference over 3%) is refused and nothing changes — not even the original invoice.
Where you'll see pending payments
Payments waiting for your approval show up in the Inbox queue in the main menu (the item carries a count of things to handle) and, of course, directly in the Bank section. Approving and rejecting happens in the Bank section, or by clicking through from the queue.
You can also turn on an email for these situations under Settings → Payment matching, in the Email notifications section:
- Payment awaiting your confirmation — we found a likely invoice, you just need to confirm it.
- Payment could not be matched — a payment arrived without a matching invoice.
- Payment matched automatically — for your information only, the invoice is already marked as paid.
At most one summary email goes out per bank message.
Security
Your unique receiving email address is private — share it only with your bank. If you think it's been compromised, generate a new address in Settings (the old one stops working immediately).
All received data is processed securely and stored exclusively on EU servers in accordance with GDPR.