General
Reconcile credits & debits (camt.054)
Use the debit/credit notification message to auto-match individual receipts, especially in a bulk credit.
What camt.054 adds
camt.054 ("BankToCustomerDebitCreditNotification") notifies you of individual entries, and crucially can break down a single lump credit into its underlying items. When a bulk collection lands as one amount on your statement, the camt.054 shows each payer and reference inside it — the key to automated receivables reconciliation, particularly when combined with virtual accounts.
Using it for receivables
- 1Subscribe the collection account to a camt.054 feed.
- 2For each incoming batch credit, the notification lists the individual payments and their remittance references.
- 3Your reconciliation engine matches each item to an open invoice by its structured reference (an RF creditor reference matches cleanly).
- 4Unmatched items are flagged for a person to resolve, rather than the whole lump sitting unallocated.
Tip
Pair camt.054 with virtual accounts: give each customer a unique virtual IBAN to pay into, and the payer is identified by the account credited even before you read the reference. Auto-match rates climb well above what a shared account achieves.
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About this guide
- Topic
- Statements & reporting
- Reading time
- 3 min
- Views
- 1,961
- Found helpful
- 95% (89/94)
- Updated
- 06 Jun 2026
camt.054reconciliationnotificationcollectionsvirtual accountsmatching