Backlog processing: Free vs Paid

Backlog means bank transactions dated between your Accounting Start Date and the first day of the month you registered on AkountFly. Transactions dated before the Accounting Start Date are never added to the feed - their net effect becomes the account's opening balance. Transactions from your registration month onwards are always processed with full AI at no extra cost.

Free backlog - smart-rule matching only (your vendor history, rules and our global vendor database). Anything unmatched waits in Review Needed for you to categorize. No fee, and your free allowance is not touched.

Paid backlog (AI-supported) - AI categorizes the backlog and creates the matching documents. Your plan's lifetime free allowance (Starter 500 · Growth 1,500 · Pro 3,000 transactions) is deducted first and is shared across all your bank accounts; rows beyond it are charged per transaction at your plan's rate. You always confirm the exact fee before anything is charged - on statement upload, Mono and Plaid alike. A backlog fully covered by the allowance costs nothing and needs no card.

The choice is not fixed at onboarding: every backlog process reads your current setting when it runs, so you can switch before adding the next account. Accounts already processed are not re-run. In the iOS app only the free option is shown; change it on the web if you want AI-supported backlog.