We'll help you identify split payments in remittances
Remittance Go detects when a single payment is split across multiple invoices, combines the amounts correctly, and tracks any outstanding balance before posting to Xero.
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Date: 11-04-2022
| Invoice Number in PDF | Invoice Number in Xero | Invoice Status in Xero | Paid in PDF | Due in Xero | ||
|---|---|---|---|---|---|---|
| INV-1388 | INV-1388 | AUTHORISED | $990.00 | $990.00 | ||
| INV-1386(Split 1/2) | INV-1386 | AUTHORISED | $900.00 | Underpaid or Split Payment | $990.00 | |
| INV-1386(Split 2/2) | INV-1386 | AUTHORISED | $25.00 | Underpaid or Split Payment | $990.00 | |
| INV-1383 | INV-1383 | AUTHORISED | $990.00 | $990.00 | ||
| INV-1380 | INV-1380 | AUTHORISED | $2750.00 | $2,750.00 |
How it works
One split. Fully reconciled. Zero confusion.
Remittance Go reads every payment line in your remittance, groups related lines by invoice reference, and validates the combined total against your open Xero invoices — before anything is posted.
Handles any split combination
Whether one payment covers two invoices or twenty, Remittance Go groups and validates every combination automatically — no configuration needed.
Posted to Xero correctly
Once you confirm the reconciliation, each matched amount posts to the correct Xero invoice with outstanding balances preserved exactly as they should be.
Why it matters
Split payments are where manual reconciliation breaks down
When one payment covers multiple invoices at partial amounts, manual matching becomes error-prone fast. A single misread reference or transposed amount creates a reconciliation problem that compounds.
saved per week by accounts receivable teams handling high-volume split payments
Split payments are invisible without the right tool
Most remittances don't label their splits. Your team has to manually hunt for related lines, calculate combined totals, and hope nothing was missed — every time.
One wrong amount creates a chain of errors
A short payment applied incorrectly, a partial amount posted to the wrong invoice — each mistake creates a reconciliation gap that takes far longer to fix than it took to make.
Volume makes it worse, not better
The more invoices a remittance covers, the more chances for error. Without automation, high-volume splits are a consistent and growing source of reconciliation pain.
Time savings per remittance with splits
| Task | Time saved |
|---|---|
| Finding related lines | ~15 min |
| Calculating totals | ~10 min |
| Xero entry | ~15 min |
| Total per remittance | ~40 min |
We see split payments better than humans can
Remittance Go processes split payment data from every line of the remittance, combining partial payments intelligently and validating each total against your open invoices in Xero before anything posts.
Every payment line is extracted and grouped by invoice reference. Related lines are combined and validated against the invoice total — no manual cross-referencing required.
Remittance Go connects to your Xero account directly. Invoice totals, payment records, and outstanding balances are checked in real time — so splits are matched against current data, not a cached export.
The reconciliation screen shows every split combination, outstanding balance, and overpayment flag before you confirm. Nothing posts to Xero until your team has reviewed the outcome.
When a split doesn't fully cover an invoice, the outstanding balance is calculated and preserved in Xero. Nothing is written off or rounded — the shortfall stays visible until it's resolved.
If the combined split total exceeds the invoice amount, Remittance Go flags it before anything is posted. You decide how to handle it — credit note, refund, or hold — rather than discovering the discrepancy later.
A single remittance can contain split payments across dozens of invoices. Every combination is processed together so you're not running separate reconciliations for each payer.
Handles splits of any size or complexity
Split payments arrive in every format — some remittances label them clearly, most don't. Remittance Go detects related lines automatically and groups them by invoice reference without any setup from you.
Whether a client splits across 2 invoices or 50 in a single remittance, every combination is processed correctly in one run.
Every split is checked before it hits Xero
Short payments, partial amounts that don't add up, and invoice references that don't match anything in Xero — Remittance Go catches all of them before the payment is posted.
You review a clean summary of every split combination, confirm what's correct, and flag anything that needs investigation. Nothing posts until you're satisfied.
A clean record of every split, every time
Every split payment posted through Remittance Go is recorded with the original lines, combined amounts, and reconciliation outcome — so tracing any payment back to its source takes seconds, not minutes.
The original remittance PDF is stored alongside the posted payment, giving you a complete audit trail from document received to Xero reconciled.
How it works
From remittance received to split payments reconciled
Remittance Go groups related payment lines by invoice reference, combines their amounts, and validates the total against the corresponding Xero invoice. Outstanding balances and overpayments are identified at this stage so the reconciliation screen presents a clear, accurate summary before any payment is posted.
Step 1 - Upload the remittance
Upload the remittance PDF. Remittance Go extracts all payment lines, including those where a single payment is distributed across multiple invoices.
Step 2 - Splits are grouped automatically
Related payment lines are grouped by invoice reference. Remittance Go calculates the total applied amount for each invoice — no manual combining needed.
Step 3 - Review the reconciliation
You get a clean line-by-line summary showing each split combination against your open Xero invoices. Short payments, overpayments, and unmatched lines are flagged clearly.
Step 4 - Post to Xero
Confirm and Remittance Go posts each matched amount to the correct Xero invoice. Outstanding balances are preserved accurately — nothing is written off or rounded.
“When doing hundreds of remittances per week, split payments can easily go under the radar and cause issues, it's great to flag them early.”
Frequently asked questions
What is a split payment?
A split payment is when a single payment from a client is allocated across multiple invoices, or when multiple partial payments are applied to a single invoice. This is common with large clients who consolidate payments on a regular cycle.
How does Remittance Go identify which lines are related?
Remittance Go groups payment lines by invoice reference number. Lines referencing the same invoice are combined and their amounts totalled before validation against the Xero invoice.
What if the split total does not match the invoice?
If the combined amount falls short of the invoice total, the outstanding balance is tracked and displayed. If it exceeds the invoice total, it is flagged as an overpayment. Either way, nothing posts incorrectly without your review.
Does split payment handling work with NDIS remittances?
Yes. Split payment detection applies to all remittance types including NDIS. NDIS remittances often include multiple claim lines against a single invoice, and Remittance Go handles these correctly as part of standard processing.
Stop letting split payments slip through
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