This article explains how to reconcile your Moss Wallet Balance in Xero using the bank account created for your Moss integration. It is designed for accountants and bookkeepers managing month-end closings or ad-hoc reconciliations.
What You Should Know First
Each Moss Wallet (e.g. for debit or credit) has its own statement.
Moss synchronises all transactions into Xero as reconciled bank transactions:
Spend transactions reduce (credit) your Moss Balance Account.
Top-ups or repayments increase (debit) your Moss Balance Account.
The Moss Wallet Bank Account in Xero should always match the ending balance on your Moss Wallet statement, assuming:
All transactions are synchronised
All payments and top-ups are correctly recorded
⚠️ Note: Moss Credit and Debit Wallet transactions are tracked in separate wallets and must be reconciled independently.
How Moss Transactions Sync into Xero
When you connect Moss to Xero:
You will map a dedicated Bank Account from Xero to reflect your Moss Wallet Balance (e.g., "Moss Balance Account").
All Moss Wallet transactions are synced into Xero as reconciled bank transactions.
Moss handles reconciliation on its side. This means the Xero account should always match your Moss Wallet Statement Balance.
There is no manual reconciliation needed for individual transactions.
Step-by-Step: Check and Reconcile Moss Wallet Balance
1. Navigate to the Moss Wallet Account in Xero
Go to Accounting > Bank Accounts
Select the account named “Moss Balance Account” (or similar)
View the statement balance vs. Xero balance
These two balances should always match if all transactions are exported.
2. Download a Moss Statement
Navigate to Wallet > Statements in the Moss platform.
Navigate to Wallet > Statements in the Moss platform.
Use the monthly statement that matches your accounting period, or click "Get custom statement" to select a custom date range.
⚠️ Avoid generating statements for today, as some transactions may still be processing.
Choose a monthly or custom PDF statement
The statement will show:
Starting balance
Ending balance
All wallet activity (top-ups, payments, card transactions)
If the Balances Don't Match
Use this checklist to identify the difference:
Identify Unexported Transactions
If your accounting system balance does not match the Moss statement, some transactions may not yet be exported.
Card Transactions
Go to Card Transactions > All
Filter:
Status = Accepted
Export Status = Unexported, Exporting, Ready for Export
Review the total at the top of the table
These are card transactions accepted but not yet exported and should be deducted from the statement balance.
Check for Unexported Wallet Payments
Go to Export > Balance Movements
Filter by Booking Date within the same statement period.
Identify:
Unexported invoice payments
Unexported reimbursement payments
Export or note the total of these unexported payments.
Apply the Reconciliation Formula
Moss Statement Ending Balance
+ Unexported Spend Transactions
+ Unexported Payments (invoices/reimbursements)
- Unexported Wallet Top-Ups
= Xero Moss Wallet Balance
Best Practices
Run reconciliation at least monthly, ideally as part of your closing checklist.
Always use PDF statements to see opening/closing balances.
Ensure all users uploading receipts or approvals in Moss complete workflows in time to avoid delays in export.
For more detail on the accounting logic and how payments reconcile in Xero view our Booking Logic Article: Booking logic | How Moss transactions are booked in XERO
Need help? Contact Moss Support or refer to our article: How to reconcile top-up transactions.