A restaurant bank statement is a wall of small deposits: card batches from your processor, payouts from DoorDash and Uber Eats, and cash drops, none of which match your gross POS sales. Upload the PDF and BankXLSX returns dated rows with each deposit, fee, and charge in its own cell, so you can tie every batch and payout back to the point-of-sale numbers. Start free, no credit card.
Last updated July 2026
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Download the restaurant's monthly bank statement as a PDF and upload it to BankXLSX. The converter reads every card batch deposit, third-party delivery payout, cash drop, merchant fee, and chargeback into dated spreadsheet rows, so you can match each deposit to the batch total in your POS and to each platform's payout report. The bank deposit almost never equals gross sales, because the card processor settles net of interchange fees and refunds and delivery apps pay net of commission, so the value of a spreadsheet is that you can line the deposits up against the POS and the payout statements side by side. You get an Excel or CSV file in under a minute instead of retyping a month of deposits.
A restaurant takes money through the register, several card brands, and two or three delivery apps, and each one lands in the bank on its own schedule and net of its own fees. The statement holds every deposit you need to reconcile, just not in a shape you can match to the POS.
Your processor settles each card batch net of interchange and processing fees, refunds, and settled tips, so the deposit that hits the bank is always smaller than the sales your POS rang up.
DoorDash, Uber Eats, and Grubhub each deposit on their own schedule net of a commission that often runs 15 to 30 percent, and adjustments or chargebacks can show up in a payout weeks after the order.
Cash drops, card batches, and app payouts all interleave in the deposit column, so telling which line came from which channel means pulling each one into a sheet first.
Credit card tips settle into the same deposits as sales, but that money belongs to your servers, so it has to be separated out as a liability rather than counted as restaurant income.
Typing a month of batch deposits and payouts into a spreadsheet by hand is slow and error-prone, and every hour on data entry is an hour not spent running service or managing food cost.
When you switch banks or processors, or need a prior year for your CPA, the record you can still get is the PDF statement, which a live feed can no longer reach.
Upload the PDF and the converter turns the bank statement into clean, dated rows with balances intact, so you can separate card batches, delivery payouts, and cash, and reconcile each channel to your POS.
Card batches, delivery payouts, cash drops, fees, and chargebacks each land on their own row with date, description, and amount in columns you can sort, filter, and total by channel.
Sort the rows by date and description to line each processor batch and delivery payout up against the batch totals and payout reports from your point-of-sale system.
The statement running balance carries through, so you can confirm every deposit and every fee is accounted for and the month ties out.
Download a real .xlsx workbook to reconcile in, or a clean CSV to import into QuickBooks, Xero, or your restaurant accounting tool.
Layouts tuned to how US banks, credit unions, and card issuers print their statements, including scanned and image PDFs from older accounts.
256-bit encryption in transit, and you can delete every uploaded file once the reconciliation is done.
No software to install and no credit card to start.
Pull the restaurant's monthly bank statement as a PDF from online banking. Scanned statements from an old account work too.
Tip: Grab the processor and delivery payout reports for the same month.
Drag the PDF into the box above. BankXLSX reads every card batch, payout, cash drop, and fee and writes each to its own row.
Tip: One account per file keeps the operating account and any reserve separate.
Save the result as XLSX or CSV, then sort by channel and tie each deposit to its POS batch total and each app payout to its report.
Tip: Add a channel column: card, cash, DoorDash, Uber Eats, Grubhub.
Turning statements into structured data helps everyone who has to prove the deposits add up, from the owner watching cash to the bookkeeper closing the month.
See what actually landed in the bank against what the POS rang up, so you can catch a short deposit or a fee spike before it eats the month.
Convert the operating account statement to rows and reconcile card batches, delivery payouts, and cash against the POS without retyping.
Pull a full year of statements into clean spreadsheets for a Schedule C, an 1120-S, or a review, including closed accounts from a prior processor.
Convert each location's statement to a consistent layout so you can roll deposits, fees, and payouts up across the group.
A restaurant's bank deposits are always smaller than gross sales because the money is netted before it lands. The card processor batches each day's card sales and settles them less interchange and processing fees, refunds, and any tips already paid out, and delivery apps deposit their orders less a commission that often runs 15 to 30 percent. So a $10,000 sales day might arrive as an $8,900 card batch, a $600 DoorDash payout, and a $500 cash drop, spread across several dates. Reconciling means matching each of those deposits back to the sales that created it, which is quick once the statement is a spreadsheet and slow while it is a PDF.
To reconcile a card batch, match the deposit on the bank statement to the batch total your POS or processor reports for the same business day, then book the difference as merchant fees. The deposit equals gross card sales minus fees, so once you have the statement rows in a spreadsheet you can sort by date, place each batch next to its POS total, and confirm the gap is the fee you expect rather than a missing or duplicated deposit. The table below shows the deposit types you see on a restaurant statement and how each one reconciles.
| Deposit on the statement | What it represents | How to reconcile it |
|---|---|---|
| Card batch deposit | A day of card sales, net of processing fees and refunds | Match to the POS batch total; book the difference as merchant fees |
| Delivery app payout | Orders from DoorDash, Uber Eats, or Grubhub, net of commission | Match to that platform's payout report; record the commission as an expense |
| Cash deposit | A drop of cash sales after payouts from the drawer | Match to the cash total on the daily sales report |
| Chargeback or adjustment | A disputed charge or platform correction, often weeks later | Trace to the original order and offset the sale it reverses |
Treat each delivery platform as its own sales channel and reconcile its deposits against the payout report in its merchant portal, not against your POS alone. DoorDash, Uber Eats, and Grubhub each pay on their own schedule, net of commission, and some mark up menu prices so their reported sales differ from what you charge in house. Convert the bank statement to rows, filter to the payouts from one platform, and match each deposit to that platform's statement so the commission, any promotion fees, and delayed adjustments are all accounted for. Weekly is a good cadence, because a payout that looks light is usually a chargeback or an adjustment you want to catch early.
No. Credit card tips are money that belongs to your staff, so they are a liability the restaurant holds and pays out, not sales income. Tips settle into the same card deposits as your sales, which is exactly why separating the deposit into its parts matters: if you book the whole batch as revenue you overstate income and can end up paying tax on money that was never yours. Converting the statement to rows lets you split each batch into sales, fees, and tips so the tip portion lands in a tips-payable account instead of revenue.
Most restaurants record a daily sales summary that mirrors the POS, then reconcile the bank statement against it at month end. The converter handles the bank side of that: it turns the statement into rows you can match to the daily summaries, so cash, card, and delivery each reconcile cleanly and the merchant fees and commissions land in the right expense accounts. If you keep the books in QuickBooks, you can convert the statement straight to a QuickBooks import with a bank statement to QuickBooks converter and reconcile inside QuickBooks. To subtotal supplier and overhead spend by category before you post it, use our transaction categorization guide.
The bank statement shows the net deposit, but the detail of what made up each batch lives on the processor and POS side. If you run Clover, its monthly merchant statement is a PDF you can flatten with our Clover statement converter, and Square payouts convert the same way with the Square statement converter. Converting both sides, the bank deposit and the processor batch, gives you the two halves you need to prove every dollar of sales landed and every fee is accounted for.
Because the money is netted before it lands. Your processor settles each card batch less interchange and processing fees, refunds, and paid-out tips, and delivery apps deposit net of a commission that often runs 15 to 30 percent. A single sales day can arrive as a card batch, an app payout, and a cash drop across several dates. Converting the statement to rows lets you match each deposit back to the sales that created it.
Match the deposit on the bank statement to the batch total your POS or processor reports for that business day, then book the difference as merchant fees. Once the statement is a spreadsheet you can sort by date, put each batch next to its POS total, and confirm the gap is the expected fee rather than a missing or duplicated deposit.
Treat each platform as its own sales channel and reconcile its deposits against the payout report in its merchant portal. Each app pays on its own schedule net of commission, and some mark up menu prices, so their sales differ from your in-house prices. Filter the converted rows to one platform and match each deposit to that platform's report so the commission and any adjustments are accounted for.
No. Credit card tips belong to your staff, so they are a liability the restaurant holds and pays out, not sales income. Tips settle into the same card deposits as sales, so if you book the whole batch as revenue you overstate income and may pay tax on money that was never yours. Converting the batch to rows lets you split sales, fees, and tips apart.
Yes. When you switch banks or processors, the record you can still get is the PDF statement, which a live bank feed can no longer reach. Upload the PDF and BankXLSX converts it to rows the same way as a current statement, which is useful for a prior-year reconciliation or a CPA handoff.
Uploads run over 256-bit encryption in transit, you can delete every file after the conversion, and BankXLSX does not resell or share the data. It does not need your bank login, because you upload a statement you already downloaded rather than connecting a live account. Convert on a work device and remove the uploaded PDF when you are done.
Download the monthly bank statement as a PDF from online banking and upload it to BankXLSX. The converter reads every card batch, delivery payout, cash drop, and fee into dated rows with the running balance and lets you download an Excel or CSV file in under a minute, ready to reconcile against your POS.
Reconcile deposits to reported sales in an audit.
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