Operation modes

Your Reconbanker user runs in one of two modes. The mode is a single, user-level setting that applies to every account you own — it controls what happens with bank transactions after they are read.

Reconcile mode

This is the default and the most common choice.

• Reconbanker periodically asks your system for the list of payments you are expecting.
• For each new bank transaction, it tries to match it to one of those payments.
• When there is a match, it fires your webhook with the order id, status, amount, currency, and sender name.
• When two transactions are equally plausible, it marks the order ambiguous and waits for your decision.
• If a payment sits for more than 5 days without matching, it is marked expired.

Use reconcile when your business already tracks pending payments somewhere and you want Reconbanker to close the loop automatically.

Passthrough mode

Reconbanker does not try to match anything. It forwards every new bank transaction to your webhook as soon as it sees it.

• No concept of pending orders, no matching, no ambiguity, no expiry.
• Only fires when the bank transaction has a sender name; transfers without one are skipped.
• Webhook payload describes the bank transaction itself, not an order result.

Use passthrough when you want Reconbanker to be the bank reader and you plan to handle reconciliation in your own system.

Side by side

Switching modes

You can change your mode at any time from the user settings dialog, or by calling PUT /me/operation-mode. The switch is global: it applies to every account you own on the next cycle.

• Reconcile → Passthrough: existing pending payments stay in their current state and will eventually expire. Past bank transactions on each account are marked as "already notified" so you do not get a flood of webhooks for old movements.
• Passthrough → Reconcile: Reconbanker starts polling each account's pending orders endpoint on the next cycle. Past bank transactions are not re-played.

Which should I pick?

• You have an orders or invoices table and want Reconbanker to close them out → reconcile.
• You want raw bank events forwarded so you can build your own logic → passthrough.

Because mode is user-level, the choice is one decision for your whole Reconbanker setup. If you need both behaviours, create separate users.