> ## Documentation Index
> Fetch the complete documentation index at: https://docs.upflow.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Remittance advice

> Learn how Upflow reads remittance advice emails from your customers, matches them to bank transactions, and uses them to apply payments to the right invoices.

A remittance advice is the message a customer sends to tell you which invoices a payment covers. Upflow reads these emails for you, waits for the matching bank transaction, and uses the remittance to apply the payment to the right invoices.

## What Upflow extracts

Upflow reads the email body and its attachments (PDF, CSV, XLSX, and plain text). From each remittance advice, it extracts the **counterparty**, the **payment reference**, the **payment date**, the **currency**, the **total amount**, and each **invoice number** with the amount paid against it.

> [!NOTE]
>
> An email that only announces a future payment, such as "we will pay invoice 1234 next week", isn't a remittance advice. The **Promise to pay** skill of your [collection agent](/en-us/collection-and-collaboration/emails/collection-agents.md) handles these.

## Set up remittance capture

Remittance capture is a skill of your [collection agents](/en-us/collection-and-collaboration/emails/collection-agents.md). It's in **Auto-mode** by default.

To turn it off for an agent:

1. Go to [**Settings → Collection agents**](https://app.upflow.io/organization/-/settings/collection-agents) and open the agent.
2. Under **Agent skills**, set **Remittance capture** to **Off**.

   ![The Remittance capture skill in the collection agent editor, with the Auto-mode and Off options](https://mintcdn.com/upflow-04dc27cd/enfljGmn-voB1pUs/images/remittance-capture-agent-skill.png?fit=max\&auto=format\&n=enfljGmn-voB1pUs\&q=85\&s=0469c71346c014fce6eb576a07d33fc9)
3. Click **Save**.

## Follow a remittance in the timeline

A captured remittance appears in the customer's timeline, under the email it came from.

![A remittance in the customer timeline with the Awaiting transaction status](https://mintcdn.com/upflow-04dc27cd/enfljGmn-voB1pUs/images/remittance-timeline-awaiting-transaction.png?fit=max\&auto=format\&n=enfljGmn-voB1pUs\&q=85\&s=ed85b9a521db759f0d321ca6e3a096a1)

Its status shows where it is in the process:

| Status | Meaning |
| - | - |
| **Awaiting transaction** | The matching bank transaction hasn't arrived yet. If you exclude the transaction, the remittance goes back to this status. |
| **Unapplied** | The bank transaction was found and is waiting for your review in cash application. |
| **Auto-applied** | The [Cash App agent](/en-us/cash-application/cash-app-agent.md) applied the transaction automatically. |
| **Applied** | A member of your team applied the transaction. |

## How remittances are applied

When a bank transaction is imported, Upflow checks it against captured remittances before running the usual [matching logic](/en-us/cash-application/application-logic/review-match-suggestions.md#how-suggestions-are-generated). It works in either order: if the transaction arrives first, Upflow links it as soon as the remittance is captured. A transaction matches a remittance when its **reference** matches, or when its **amount**, **currency**, **date**, and payer line up. Upflow doesn't change a transaction that's already applied.

The [Cash App agent](/en-us/cash-application/cash-app-agent.md) applies the transaction automatically when it's enabled, the match is on the **reference**, and every invoice in the remittance was found and is paid **in full**. The usual auto-apply rules also apply. Otherwise, Upflow creates a [match suggestion](/en-us/cash-application/application-logic/review-match-suggestions.md) for you to review, for example for a partial payment or an invoice number it couldn't find.

In the matching interface, a **Linked remittance** section shows the remittance details and each invoice it covers. Click **See corresponding email** to open the original email in the customer's timeline.

![The Linked remittance section in the bank transaction matching interface, with the See corresponding email link](https://mintcdn.com/upflow-04dc27cd/enfljGmn-voB1pUs/images/remittance-linked-in-matching-modal.png?fit=max\&auto=format\&n=enfljGmn-voB1pUs\&q=85\&s=9f431e0874e0215141ecef5bc30d810c)

## Related articles

* [Cash App agent](/en-us/cash-application/cash-app-agent.md)
* [Review match suggestions](/en-us/cash-application/application-logic/review-match-suggestions.md)
* [Collection agents](/en-us/collection-and-collaboration/emails/collection-agents.md)


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