□The Unmatched Line statement line Open the partner account
paid
Affiliate disclosure. The partner link in the masthead and in the band beside the copy on this page is a sponsored link to a partner operator, and this site may be paid if you open an account through it, at no extra cost to you. It carries rel="sponsored noopener" and opens in a new tab. A desk about the line a charge prints should not leave its own funding unsaid: one link funds the site, no bank, operator, processor or person is named, rated or recommended anywhere on it, and it prints no real descriptor.
The Unmatched Line / the match
placing a line on a transaction

Placing the line on a transaction

Matching a statement line back to a transaction is a lookup with four inputs: the date, the reference, the amount and the name, weighted in that order. Used in that order on the 680 lines that could not be placed at first sight, the method resolved 560 of them - and the 120 that stayed unmatched are the only ones that properly belong to a dispute.

Desk spec
unmatched at first
680
resolved by the method
560
resolved share
82.4%
still unmatched
120
still unmatched share
17.6%
the order
date, reference, amount, name
what the line isA descriptor, not a name: a routing string of up to five fragments. The reference is the only one that is yours.
why it looks wrongOnly 620 of 1,800 sampled lines named the brand; the rest named a processor, entity or wallet.
what decides a disputeThe money that actually left the account. 560 of 680 unplaceable lines were placed by reading, not disputing.
Direct answer

A statement line is matched by weighting four inputs in order: the date first, then any reference, then the amount, then the name last. Applied to the 680 sampled lines that could not be placed at first sight, the method resolved 560 (82.4%) and left 120 unmatched (17.6%) - and only the 120 belong to a dispute.

The four inputs, in order
  1. The date. Narrow to the day the line posted and the day you paid; posting lags the payment by a day or two.
  2. The reference. Find the number the site issued and look for it inside the string; it is the only specific fragment.
  3. The amount. Cross-check against the settled figure, allowing for a conversion, a fee or a partial hold.
  4. The name. Use the name only to confirm, never to place the line on its own.
The method applied to 680 lines input 1 the date narrowed 680 to 590 input 2 the reference settled 410 of those input 3 the amount confirmed 98 more input 4 the name confirmed the rest 52 more resolved 560 82.4% still unmatched 120 17.6% and of the 120 no reference in the string 74 a date outside the record 31 an amount that cannot be reconciled 15
680unmatched at first sight
560placed by the method
82.4%resolved share
120left for a dispute
The method is a reading discipline, not a legal test, and it prints invented figures. It names no real site, bank or rail, and it does not advise on any particular charge.
When nothing matcheswhere the lookup becomes a disputeThe grammarthe fragments and what each identifiesThe refundthe credit under a second name