Bank statements — this is an additional Torgsoft option that loads bank statements for accounts from Privat24, monobank, and UkrSibbank directly into the accounting software. It is needed when you monitor cashless receipts every day but do not want to log in to bank accounts or enter payments manually. As a result, actual payments are visible in the program: who paid, who did not, and cash flow on the account for the selected period.
The option is suitable for businesses with active cashless payments: online stores, wholesalers, B2B sales, and services that issue invoices. It solves two typical pains: daily login to banking apps to check payments and manual posting of transactions, which causes errors and discrepancies in accounting.
Statements are loaded with one button, receipts become unidentified payments and are linked to customers and issued invoices, while the bank fee is recorded by the program as a separate document. You see accounts receivable in one window, and bank keys and passwords remain with the owner. License for 1 year.
Payment control without logging in to bank accounts
Torgsoft receives bank statements, creates payments, and helps link receipts to customers' issued invoices.
What bank statements in Torgsoft are
This is a mode in which the program contacts the bank for your transactions and displays them as a list directly in Torgsoft. Receipts can be converted into customer payments, and expenses — into financial documents, without switching between the program and bank accounts. Card or account data is loaded for the selected period, so you see cash flow in the same place where you keep records.
Basic concepts
Bank statement
A list of account transactions that the program receives from the bank for the specified period.
Unidentified payment
A receipt that the program has accepted but has not yet linked to a specific customer invoice.
Merchant (account)
A bank account configured in the program from which Torgsoft receives statements.
Acquiring
A bank fee that the program can record as a separate financial document.
Payment order
An electronic payment document that Torgsoft sends to Privat24 for the owner's signature.
Autoclient
An application in Privat24 for Business through which the program receives account statements.
Who this option is for
Online stores
They accept payments to a card and IBAN and need to quickly reconcile receipts with orders.
Wholesale and B2B
Many cashless invoice payments require accounts receivable control.
Services with invoices
They issue invoices to customers and reconcile them with actual bank payments.
Chains with several locations
One account for several stores — accurate income analytics for each location is needed.
Who does not need it. Businesses that work almost exclusively with cash and do not have regular payments to a bank account.
When to connect it immediately
- you log in to Privat24 or monobank every day to check whether the money from a customer has arrived;
- you do not want to give employees access and passwords to bank accounts;
- payments are entered into the program manually and discrepancies occur from time to time;
- you need to see accounts receivable in one window with issued invoices.
What tasks the option solves
Before and after
Before
The accountant logs in to Privat24 and monobank one by one, rewrites payments into the program manually, and reconciles amounts at the end of the day, looking for where a payment was lost.
After
Statements are loaded with one button, receipts become unidentified payments and are linked to invoices, while the bank fee is recorded as a separate document.
How it works: 6 steps
Set up accounts. In the «Bank account statement settings» menu, add an account (merchant) and specify integration details for Privat24, monobank, or UkrSibbank.
Assign access. For each account, add users and select the access level: «Receipts», «Withdrawals», or «Full access».
Get statements. In the «Payment — Bank account statements» menu, specify the period and click «Get statements».
Transfer payments. For a receipt, click «Transfer financial operation» — an «Unidentified payment» opens with autofilled fields (account, date, currency, amount).
Link to an invoice. In the «Trade with invoice issuing» mode, link the unidentified payment to the issued invoice with the «Link to invoice» button.
Pay suppliers (Privat). On the «Payment order» tab, create a payment — Torgsoft will send it to Privat24, and the owner only needs to sign the document.
Important. The option is available for Torgsoft Ultra and Torgsoft Terminal licenses; it is not available in Start. For UkrSibbank, RSA keys must be generated (using OpenSSL 32-bit) and the public key must be sent to the bank to receive integration parameters.
Try it in your business
Download the 30-day demo version and set up statement retrieval for your own accounts. All data remains on your computer.
Option capabilities
Scenarios by niche
Online store
A VIP customer sends an advance payment to a card. The payment is loaded as unidentified, the customer is selected immediately, and later it is linked to a specific order.
Wholesale and B2B
Many payments are made for issued invoices. Each receipt is linked to its invoice, so accounts receivable are always under control.
Store chain
One account is used for several locations. After linking the payment to an invoice, it appears in the cash report of the location where the sale took place.
Example
A home appliance store accepted advance payments to a card. Previously, the manager logged in to the bank account, copied each payment into the program manually, and reconciled amounts with reports at the end of the day.
After connecting the option, statements are loaded with one button, receipts are linked to orders, and employees do not need access to the bank itself. The scenario is illustrative.
What options and equipment it works with
- Software RRO — fiscalization of sales at the same accounting centers.
- Bank terminal integration — accepting card payments at the checkout.
- Cloud data archive — backup copies of the financial database.
Comprehensive automation. Statements work alongside Torgsoft financial accounting: payments, invoices, purchase invoices, and reports are kept in one database, so cash flow and sales are reconciled without transferring data between systems.
Price and connection terms
- Licenses. Torgsoft Ultra or Torgsoft Terminal.
- Connection. Paid annually. Purchased for each workstation for separate versions, one per local network, or one per server for a terminal license. Available from Torgsoft version 9.2.6 (DB 457) and newer.
- Demo version. Free for 30 days with all functions.
How to connect
- Download the demo version or connect the option in the Torgsoft store.
- Add bank accounts in the «Bank account statement settings» menu and specify integration details.
- Assign employees who will receive statements and configure the access level.
Frequently asked questions
Which banks do bank statements work with?
The option supports Privat24 for Business, monobank (personal cards, sole proprietor accounts, and legal entity accounts), and UkrSibbank.
Do employees need access to the bank?
No. Keys, passwords, and tokens remain with the owner, and access to statements is configured by levels: «Receipts», «Withdrawals», or «Full access».
How to connect Privat24?
An Autoclient application is created in Privat24 for Business, through which Torgsoft receives account statements.
How to connect monobank?
A token obtained in the monobank API personal account is used.
How to connect UkrSibbank?
You need to generate RSA keys (using OpenSSL 32-bit), send the public key to the bank, and receive Client_ID and Client_secret in response. Authorization on the UKRSIB business website is valid for one day.
Can suppliers be paid directly from the program?
Yes, for PrivatBank accounts. On the «Payment order» tab, a payment is created and automatically sent to Privat24, while the owner only signs it in their account.
How to avoid duplicate payment?
If the operation has already been entered into Torgsoft in another way, use the «Mark as transferred» action. Transferred operations are marked with the «Sent» status.
How is the bank fee (acquiring) recorded?
According to the «Record acquiring when creating payment» setting, the program creates a separate document for the fee. If the fee does not need to be recorded for a specific operation, set the «Do not record acquiring» switch when posting the unidentified payment.
Which store does the payment go to when there are several locations?
First, the payment is attached to the accounting center of the user who loaded it. After linking it to the issued invoice, the accounting center changes to the one where the invoice was created.
Does the option work with legal entities?
Yes. For LLC accounts (Privat24 for Business, monobank), the program receives more detailed data: IBAN, sender, and payment recipient.
Which licenses does the option work with?
Bank statements are available for Torgsoft Ultra and Torgsoft Terminal licenses. The option is not available in the Torgsoft Start license.
How much does the option cost?
The cost is 2360 UAH/year. It is purchased for each workstation for separate versions and is paid annually.
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