3-step statement import
Choose the receiving account, upload an Excel, CSV or PDF file, preview the first 50 transactions with income/expense totals, then Confirm import. The result shows new, duplicate and error counts.
Finance · Bank reconciliation
Incoming payments find their own order
Bank reconciliation in hOne has two ways to get money into the ledger: importing statement files and receiving bank SMS through hSMS. Incoming money with an order number in the text is matched to the order, a receipt voucher is created and the owner is notified.
The problem
You only know money arrived when you open the bank app
Accounting logs into each bank, spots the payment, then messages sales to confirm which customer paid. At month end the statement is checked against receipts by hand.
- A customer says they paid but sales does not know, so delivery waits.
- Every bank exports statements in a different layout, and retyping is slow.
- Matching money to orders by eye misses or mixes up payments with vague transfer text.
How hOne solves it
Money lands in the ledger and finds its order
A phone running hSMS Sync reads balance-change SMS and posts them to hOne through a webhook. hOne creates the transaction and applies your categorisation and automation rules. For month-end statements you upload the file, preview it, then import.
Key capabilities
Bank formats
HDBank, Vietcombank, OCB and BVBank are detected automatically. Other banks use the generic Vietnam format (CSV with standard columns).
Incoming money via hSMS
In Finance settings, the Webhook tab shows the Webhook URL, a Webhook Secret and an On/Off switch. Paste the URL into hSMS Sync, then press Send Test.
Automation rules
Each rule has a content condition, direction, priority and action: Find and confirm a payment voucher, Find and link an order, or Notify only. A test button runs sample text.
Auto receipt voucher
For incoming money with an order number in the text, hOne finds the order, creates and confirms a receipt voucher and attaches it. If collections exceed the order total, the owner is notified.
Webhook log
Every incoming message has a log row: Success, Duplicate, Skipped or Error, with the SMS text. A skipped message can be turned into a transaction from the log.
Confirm and reconcile
Pending transactions get Confirm, then Reconcile with a note. Unreconcile returns the transaction to Confirmed.
How it works
Set up bank accounts
Add company accounts in Finance settings; hSMS and statements both match to an account by account number.
Connect hSMS or import a statement
Paste the Webhook URL and secret into hSMS Sync, or go to Transactions, Import statement tab and upload a file.
Define automation rules
Write rules for your transfer-note patterns, for example text containing PT- finds and confirms the voucher; run a test with sample text.
Confirm and reconcile
Review Pending transactions, confirm and reconcile in bulk; check the webhook log when an SMS did not reach the ledger.
A real workflow
Công ty ABC pays the same day
The company phone runs hSMS Sync, the webhook is on, and a rule to recognise order numbers is set.
- Công ty ABCTransfers 12,500,000 VND with the note DH-2026-10-014 order payment.
- hSMSThe phone receives the balance SMS, hSMS Sync calls the webhook, and hOne creates an hSMS-sourced transaction on the right account.
- SystemRecognises order DH-2026-10-014, creates an automatic receipt voucher, confirms it and attaches it to the order; the order payment progress rises.
- LanThe accountant gets the notification, opens Transactions, checks this line and clicks Reconcile.
Connects with the rest of hOne
TransactionsEverything from statements and hSMS lands in the ledger for filtering, categorising and reconciling.Payment vouchersAutomation rules find and confirm vouchers; linking a transaction changes the voucher payment status.OrdersAn order number in the transfer note is recognised so the receipt voucher attaches to the order.E-invoicesWhen the customer submits invoice details after paying, a draft invoice is created and linked to the transaction.NotificationshSMS rules notify chosen people with a priority from low to urgent.
Frequently asked questions
How does hSMS work, and do I need a bank API?
No bank API is needed. The hSMS Sync app on a phone receives the bank balance-change SMS, parses it and calls a webhook to hOne. You need to subscribe to SMS balance alerts with your bank.
Should I set a Webhook Secret?
Yes. Enter a secret matching the one in hSMS Sync so the webhook is verified; hOne then runs automation rules such as confirming vouchers and linking orders.
My bank is not in the statement list?
hOne detects HDBank, Vietcombank, OCB and BVBank today. For any other bank use the generic Vietnam format, an Excel or CSV file with standard columns, and check it at the preview step.
Will I get duplicates if I import and use hSMS?
Import skips transactions with the same code. hSMS checks by message id and cross-checks SePay (same amount and account within 5 minutes). For anything else use Find duplicate transactions in the ledger.
Is reconciliation fully automatic?
No. hOne records incoming money and creates and confirms receipt vouchers per your rules, while your accountant closes the Reconcile step, per transaction or in bulk.
Can I use SePay?
Yes. If your company already uses SePay, hOne has a SePay settings page (API key, webhook, sync by account). hSMS and statement import are the two main paths.
More in this area: Finance & Accounting
TransactionsBank ledger: filter, categorise, confirm, reconcile, and link vouchers and VAT invoices.Payment vouchersReceipt and payment vouchers per order, contract or project with VietQR, PDF, email and bank links.E-invoicesCreate VAT invoices from orders or vouchers, issue and sync with EasyInvoice.Digital signingDigital PDF signing via AutoSign: profiles, permissions, requests, audit log, contracts and orders.