Offset a payment

Use Offset payment when bank payments should cancel each other out: at least one outgoing (−) and at least one incoming (+). Typical case: you paid a supplier by mistake, and they paid the money back. You do not need to match each line to an invoice — you offset the payments so they settle against each other.

TIP

This is not a credit note or invoice flow. It is for bank payments that should net against each other.

Prerequisites

	Required?	Notes
Both directions (incoming + outgoing)	Yes	At least one of each
Same bank account	Yes	All selected payments on the same account
Status Open	Yes	Still assignable — not fully assigned
Same counterparty name	No	Common for a mistaken payment, but not required
Same amount	No	If amounts differ, SNDQ offsets the smaller side (partial offset)

Selected payments do not need the same counterparty name or the same amount.

• If totals match → the modal shows Fully offset
• If totals differ → SNDQ offsets up to the smaller total; the remainder stays open

Workflow summary

Step	What happens
1	Find the open payments on the bank account
2	Open Assign → Offset payment
3	Select the payment(s) in the opposite direction and check the summary
4	Optionally book to a contact (Suppliers or Owners)
5	Confirm — fully offset payments become Linked

Find the payments

1. Go to Financial → building → Accounts → open the bank account
2. Search for the amount or name
3. In this example you see both lines: one positive and one negative, both still Open

Open Offset payment

1. Open one of the payments
2. Click Assign
3. Choose Offset payment

Select the payment(s) to offset

In the Offset payment modal:

1. Tick the matching payment(s) in the opposite direction
2. Check the summary:

Field	Meaning
Total incoming	Sum of selected incoming payments
Total outgoing	Sum of selected outgoing payments
Offset amount	Amount being offset
Fully offset	Shown when incoming and outgoing totals match

3. In this equal-amount example, confirm it shows Fully offset

Book to a contact

1. Enable Book to a contact (recommended)
2. Open the Suppliers tab (or Owners for an owner offset)
3. Select the correct contact

TIP

The contact you book to is chosen here. It does not have to match the free-text counterparty name on the bank line.

Confirm

Click Confirm.

Result

After confirmation (full offset example):

Before	After
Status Open	Status Linked (when fully offset)
Payments not linked	Detail panel shows Fully linked
—	Section Offset payment shows the linked payment
—	Option Unlink this offset? is available if you need to undo

Both lines remain visible in the payment list, but they are now Linked to each other. The offset nets to € 0.

If amounts were unequal, only the overlapping part is offset; any remainder stays available to assign.

Undo the offset

If you need to reverse the offset:

1. Open one of the linked payments
2. In Offset payment, click Unlink this offset?

Good to know

• You can offset supplier payments (Suppliers) or owner payments (Owners).
• Keep all selected payments in the same building and bank account context.
• Same counterparty name and same amount are common in a “mistaken payment + repayment” case, but neither is a system requirement.
• Partial offset is supported when totals differ; the UI shows Fully offset only when both sides are fully covered.
• Do not use this flow for credit notes — use the invoice / credit note tools instead.

Related articles

• Manually assign a payment
• Batch reconcile payments
• Apply a credit note
• Handle bank costs

Need help?

Contact our team at info@sndq.be or use the Get Help option in the SNDQ application.