Payment Knock-Off Automation: Allocate Settlements to Invoices, Line by Line

The outcome

Settlements stop getting banked as one lump and ticked off. Each payment is allocated to the specific invoice lines it settles, net of debit notes, so every invoice closes as paid, validly deducted, or short by a known amount.

How teams use it

Line-level allocation

Payments are knocked off per invoice line, so small shortfalls invisible at settlement level become visible.

Many-to-many handled

One settlement across several invoices and several payments against one invoice are both reconciled automatically.

Debit notes netted

Valid DNs are applied during allocation, so the remaining balance reflects true outstanding.

Clean close status

Every invoice ends as fully paid, short by a validated deduction, or short by an unexplained amount.

How the workflow runs

Gather payments & invoices. Open invoices and incoming settlements are collected across channels.
Allocate line by line. Each payment is knocked off against invoice lines, netting valid debit notes.
Close or flag. Invoices reconcile to zero or a documented gap that is raised for follow-up.

Bikaji. Automating PO, invoice and payment matching into SAP took Bikaji to 99% reconciliation accuracy across 10+ channels.

Where customers use it

Customers run this template across Blinkit, Zepto, Swiggy Instamart, BigBasket, Amazon, Flipkart, Nykaa, Myntra, Noon, Namshi, Trendyol, Zalando, Reliance Retail, DMart and Metro, spanning India, the Middle East and Southeast Asia. Additional channels and systems can be added to the workflow on request.

Questions we get asked

What is a payment knock-off?

Allocating a received payment against specific open invoices at line level, netting valid debit notes, and closing each line only when it fully reconciles.

How are split and combined payments handled?

One settlement is split across the invoices it covers, and multiple payments against a single invoice are accumulated, so the true received amount per invoice is always accurate.

Which systems does it reconcile into?

Reconciled balances can be written back to SAP, Dynamics, Zoho Books, Tally, Odoo, ERPNext and other connected ERPs.

Automate payment knock-offs

See settlements allocated to invoices line by line across every marketplace, with debit notes netted automatically.

Book a demo →