---
title: Dedicated Account per Customer
showTOC: true
---

When using "dedicated account per customer" model, we automatically reconcile incoming transfers with your outstanding payments. Since each customer has their own dedicated bank account, we know exactly which customer the payment came from.

Not sure which model is right for you? See our [comparison guide](/payments/payment-methods/global/bank-transfer-beta#choose-your-bank-transfer-model) to choose between dedicated account per payment and dedicated account per customer.

## How does reconciliation work

__Current process:__

1. We will attempt to match the transfer reference with a single incomplete Payment Intent that has a matching reference in the transfer instructions.
2. If the customer does not include any reference, we will reconcile as many payments as possible that can be fully funded, starting with the earliest payment creation date.
3. If any funds remain, we will refund it back to your customers.

__Coming soon:__

If any funds remain, we will apply the remaining funds to the Customer Balance, which can be applied to future payments.

![Diagram](/assets/contentful/images.ctfassets.net/c3n7jozh84hr/OUeZnW81Idgn2AGndhAYa/11368b71068771ba4ed05d1758d0b24c/Diagram.svg?w=600)

## Example

<table width="100%">
 <thead>
   <tr>
     <th width="50%">Scenarios</th>
     <th width="50%">Expected Behavior</th>
   </tr>
 </thead>
 <tbody>
   <tr>
     <td>
       You have 3 open payments with the same customer:<br />
       <ul>
       <li>Payment 1: 210 USD</li>
       <li>Payment 2: 200 USD</li>
       <li>Payment 3: 100 USD</li>
       </ul>
       Customer transfers 500 USD
     </td>
     <td>
       <ul>
       <li>Payment 1 and Payment 2 are successful</li>
       <li>Payment 3 remains pending, as the remaining 90 USD is not enough to fully fund it</li>
       <li>We will refund 90 USD to the customer </li>
       </ul>
     </td>
   </tr>
   <tr>
     <td>
        You have 3 open payments with the same customer:<br />
       <ul>
         <li>Payment 1: 210 USD</li>
         <li>Payment 2: 200 USD</li>
         <li>Payment 3: 100 USD</li>
       </ul>
       Customer transfers 510 USD
     </td>
     <td>
       <ul><li>All 3 payments are considered successful</li></ul>
     </td>
   </tr>
 </tbody>
</table>

