How the gate works
This tool grades a set of records across bank, processor, and ledger sources. Each signal is scored 0–2; the verdict is the weakest one — then a gate that can only make it worse.
The 5 signals
One disputed key - a value conflict across sources - forces NOT RECONCILED regardless of how many keys agree. A net difference of zero is not a reconciliation.
Why: TXN-1003 shows $455 in the ledger against $432 at the bank and processor - one disputed key - so the set is NOT RECONCILED even at 60% agreed.
A clean sheet didn’t save it. The verdict is the weakest signal — and a top trigger is dispositive on its own — so it names the one thing to fix first. Reconciles records you provide on the amount field. A net difference of zero is not a reconciliation.