This article was machine translated from the German original, which you can find here:
Kreditkarten verbuchen.
Kontera posts credit card statements via a transit account. You need the credit card transactions, a transit account for each card in your chart of accounts, and documents. In this article, we explain how to post credit card statements quickly and easily in Kontera.
Introduction
To post your credit card statements with Kontera, you need the following:
- Transactions of your credit card
- In the form of a paper-based monthly statement (PDF, scanned or digitally generated)
- In the digital format of your provider (see step 1)
- One transit account per credit card in your chart of accounts
- In the following example, we use account 1092
- Documents (images / PDF)
How Kontera posts your credit card
In Kontera, you post credit cards via a so-called transit account. This account represents the balance of your credit card in your accounting.
Therefore, Kontera automatically posts all expenses / purchases you made with your credit card from Kontera to this credit card transit account.
| Debit | Credit | Amount | Description |
| 1092 | 1020 | CHF 1,000.00 | Credit card bill |
| 1092 | 1020 | CHF 1,000.00 | Document A |
| 1092 | 1020 | CHF 1,000.00 | Document B |
| 1092 | 1020 | CHF 1,000.00 | Document C |
On the one hand, this allows you to check whether you have posted all documents; on the other hand, it represents the liability still owed to your credit card provider (or the credit balance you still have if it is a prepaid card).
bexio users take note: Please read the following article to set up your transit account in bexio:
Prepare bexio for posting a credit card
Corresponding accounts are often found in the chart of accounts under the abbreviation "1090" or "2190". We recommend creating a dedicated account in your accounting for each physical credit card statement.
Step 1: Upload the first statement and set up the credit card
This step depends on who your credit card provider is. If you receive a paper-based statement, just read on.
No paper-based statement?
Users of one of our special addons to import your digitally available transactions:
You can upload your paper-based statement directly under "Invoices" as well as under "Credit Card Statements". Kontera will automatically recognize that it is a credit card statement.
Kontera processes all common paper-based credit card statements from Swiss providers.
When Kontera recognizes your statement, it ends up under "Invoices" on the one hand, and the corresponding transactions are also listed in the credit card statements on the other hand:
You get an overview of your uploaded statements. If you click on an individual statement, you also get the detailed list of all extracted transactions.
When you open a statement and Kontera recognizes a new credit card, you will be automatically prompted to set it up:
Press the corresponding recognized card to set it up:
You will be asked to specify the ledger account (often 21XX / 10XX) assigned to the credit card ("Account"), and the expense account (6XXX) to which you want to post incurred fees ("Account for fees"). For credit cards, do not select your bank account, but create an independent account in the accounting per credit card. If you are unsure, please contact your accountant. The tax rate for fees is an optional field and normally does not need to be set (as no tax is incurred on the fees).
Advanced settings
Kontera allows you to make some additional settings for special types of credit card statements.
Transaction amounts are commercially rounded
If you notice that all transactions on your statement are rounded to e.g. 5 centimes (XX.00 / XX.50), even though the documents are accurate to the centime, you can use this setting to help Kontera reconcile your documents with your transactions anyway.
Example:
- Your Kontera invoice was CHF 15.09
- On your credit card statement, a debit of CHF 15.10 is shown
In this case, this setting must be activated to enable reconciliation.
Negative transactions are imported as debits
If your credit card statement recognized all your transactions as a credit instead of a debit after importing (recognizable by green amounts), it may be that your provider shows debits as negative amounts. This is sometimes the case if you have a prepaid credit card, where you load an amount in advance, and individual debits are then deducted.
If you activate this setting, you must delete the already uploaded statement and import it into Kontera again so that the signs are correctly reversed.
Step 2: Post credit card statement
First, you can post the credit card statement itself. To do this, switch to "Invoices" and select the recently uploaded credit card statement.
You should see the following note:
Kontera will suggest the corresponding credit card account as the account for the total amount:
This corresponds to the payment made (often directly via direct debit) to the credit card provider to settle the debits. Note:
Then choose how this amount was settled.
I work with bexio and use bank reconciliation
If your credit card statement is debited from your account via direct debit, select open. Otherwise, you can enter the payment advise for your credit card statement here.
I work with another accounting system and only want to post my credit cards in Kontera
Make sure that your credit card statement has already been "paid" in your accounting system and your transit account has been posted accordingly. In this case, you can simply delete your statement because you post it in your accounting system.
I work with another accounting system and also post my bank transactions in Kontera
In this case, select "Reconciliation with transaction". If Kontera has not yet suggested the corresponding bank transaction, you can select it manually. You can also assign the account to the document without a transaction if your bank transactions have not yet been imported.
You have now posted the document for the statement. Let's move on to the more exciting part, namely, the documents for the individual transactions.
Step 3: Upload your matching documents
Now upload the matching documents you paid with your credit card under "Invoices".
Kontera will then read and analyze your uploaded documents. Your documents will be automatically assigned to the corresponding transactions. Don't have all documents ready yet? No problem, you can also post your statement only partially and simply make all already existing postings. You can also decide whether you want to transfer the processed documents to your accounting system already or not. You can then post your document as usual. They will already be automatically marked as "Paid via credit card" and reconciled with the corresponding transaction.
When you process documents that are reconciled, Kontera will also give you the option to have them processed fully automatically by our AI in the future.
You can activate this on a per-document basis (meaning, documents of the same recognized supplier / contact). Kontera will then automatically process future documents (or those already in the account that meet the criteria) for you.
Step 4: Export postings
You can now find the posted documents / postings under "Journal".
Here, 2 documents are now waiting in the export:
- The credit card statement itself, which was posted in step 1
- A corresponding document, which was posted in step 3
You can find an overview of your still outstanding transactions under "Credit Card Statements".