One assistant owns the comparison and result. Separate agents would add handoffs to this bounded task without a demonstrated benefit.
- A ChatGPT account with Work available on the web. Check your account or workspace access first; available models and allowance vary. Use the default model available to you. Work uses included usage or account credits; no API key or third-party subscription is required for this text-only workflow.
- A browser and text you are allowed to share with the service. Remove unnecessary private details. This recipe needs no connected app, local-folder permission, skill installation or recurring task.
- One human owner who can check the sources and make decisions. A small dated extract of payments with IDs, customer references, currency and amount; Open invoice extracts with invoice/customer IDs, currency, balance and existing allocations; Remittance text, payment-processor fee details when relevant, and approved matching rules.
- Use the accounting system’s matching tools and a spreadsheet for reliable arithmetic and large batches. Ask the payer for remittance details when references are missing. A text assistant is a proposed helper for explaining exceptions, not a replacement for the ledger or a backlog-cleanup system.