{"id":24642,"date":"2026-02-11T16:08:31","date_gmt":"2026-02-11T10:38:31","guid":{"rendered":"https:\/\/open.money\/blog\/?p=24642"},"modified":"2026-03-05T14:18:44","modified_gmt":"2026-03-05T08:48:44","slug":"2-way-vs-3-way-matching-accounts-payable","status":"publish","type":"post","link":"https:\/\/open.money\/blog\/2-way-vs-3-way-matching-accounts-payable\/","title":{"rendered":"2-Way vs. 3-Way Matching: A Simple Guide for Accounts Payable"},"content":{"rendered":"\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;600;700&#038;display=swap\" rel=\"stylesheet\">\n<style>\n  .open-takeaways-container {\n    padding: 25px 30px;\n    border-radius: 0 8px 8px 0;\n    font-family: 'Poppins', sans-serif;\n    margin: 25px 0;\n    box-shadow: 0 4px 15px rgba(140, 82, 255, 0.08);\n    box-sizing: border-box;\n    width: 100%;\n  }\n  h3.open-takeaways-title {\n    color: #5b24b2 !important;\n    font-size: 20px !important;\n    font-weight: 700 !important;\n    margin: 0 0 15px 0 !important;\n    display: flex !important;\n    align-items: center !important;\n    gap: 8px !important;\n    text-transform: none !important;\n    border: none !important;\n    background: none !important;\n    line-height: 1.2 !important;\n  }\n  ul.open-takeaways-list {\n    margin: 0 !important;\n    padding-left: 20px !important;\n    background: none !important;\n  }\n  ul.open-takeaways-list li {\n    color: #2e125a !important;\n    font-size: 15px !important;\n    font-weight: 400 !important;\n    line-height: 1.6 !important;\n    margin-bottom: 12px !important;\n    list-style-type: disc !important;\n  }\n  ul.open-takeaways-list li:last-child {\n    margin-bottom: 0 !important;\n  }\n  @media (max-width: 768px) {\n    .open-takeaways-container {\n      padding: 20px !important;\n    }\n    h3.open-takeaways-title {\n      font-size: 18px !important;\n    }\n    ul.open-takeaways-list li {\n      font-size: 14px !important;\n    }\n  }\n<\/style>\n<div class=\"open-takeaways-container\" style=\"background: #f4ebff !important; background-color: #f4ebff !important; border-left: 5px solid #8c52ff !important;\">\n  <h3 class=\"open-takeaways-title\">\n    <svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#8c52ff\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" style=\"min-width: 24px;\">\n      <path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"><\/path>\n      <polyline points=\"22 4 12 14.01 9 11.01\"><\/polyline>\n    <\/svg>\n    Key Takeaways\n  <\/h3>\n  <ul class=\"open-takeaways-list\">\n    <li>2-way matching checks whether a vendor invoice matches the purchase order.<\/li>\n    <li>3-way matching adds a goods receipt (or service confirmation) before payment is approved.<\/li>\n    <li>2-way matching is faster and works well for low-risk, recurring, or service-based spend.<\/li>\n    <li>3-way matching gives stronger control for physical goods, inventory, and high-value purchases.<\/li>\n    <li>Automation and ERP integration make both approaches scalable without burying finance teams in manual checks.<\/li>\n  <\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why invoice matching matters more than it looks<\/strong><\/h2>\n\n\n\n<p>Most finance leaders don\u2019t wake up excited about invoice matching.<br>But they do care about:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Not overpaying vendors<\/li>\n\n\n\n<li>Not paying for goods that never arrived<\/li>\n\n\n\n<li>Keeping auditors comfortable<\/li>\n\n\n\n<li>Avoiding awkward conversations with Procurement or the CEO<\/li>\n<\/ul>\n\n\n\n<p>That\u2019s exactly what 2-way and 3-way matching in accounts payable are designed to solve.<\/p>\n\n\n\n<p>Matching is simply a structured way to ask:<\/p>\n\n\n\n<p>\u201cAre we paying the right vendor, the right amount, for the right thing \u2014 and did we actually get what we ordered?\u201d<\/p>\n\n\n\n<p>The more your business spends, the more important that question becomes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>First, a quick look at the documents involved<\/strong><\/h2>\n\n\n\n<p>Before we get into 2-way vs. 3-way matching, let\u2019s align on the core documents in most <a href=\"https:\/\/open.money\/blog\/how-accounts-payable-fits-into-the-procure-to-pay-p2p-cycle\/\">procure-to-pay (P2P)<\/a> flows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Purchase Order (PO)<\/strong> \u2013 What you <em>agreed<\/em> to buy (item, quantity, price, terms).<\/li>\n\n\n\n<li><strong>Vendor Invoice<\/strong> \u2013 What the vendor says you <em>need to pay<\/em>.<\/li>\n\n\n\n<li><strong>Goods Receipt \/ GRN<\/strong> \u2013 Confirmation of what your team actually <em>received<\/em> (for services, this may be a delivery or completion confirmation).<\/li>\n<\/ul>\n\n\n\n<p>2-way and 3-way matching are really just different combinations of checks between these documents.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is 2-way matching in accounts payable?<\/strong><\/h2>\n\n\n\n<p>In <strong>2-way matching<\/strong>, the accounts payable (AP) team compares:<\/p>\n\n\n\n<p><strong>Purchase Order (PO) \u2194 Vendor Invoice<\/strong><\/p>\n\n\n\n<p>The idea is simple: if the invoice matches the PO, the payment can move ahead.<\/p>\n\n\n\n<p>Typically, AP will verify:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Vendor name<\/strong> \u2013 Same as on the PO<\/li>\n\n\n\n<li><strong>Item \/ service description<\/strong> \u2013 Matches what was ordered<\/li>\n\n\n\n<li><strong>Quantity<\/strong> \u2013 Invoice quantity is equal to or less than PO quantity<\/li>\n\n\n\n<li><strong>Rate \/ price<\/strong> \u2013 Invoice rate matches the PO rate<\/li>\n\n\n\n<li><strong>Taxes \/ discounts<\/strong> \u2013 As agreed on the PO<\/li>\n<\/ul>\n\n\n\n<p>If everything lines up (within tolerances), the invoice is approved. If not, it\u2019s flagged for review.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>When 2-way matching is a good fit<\/strong><\/h3>\n\n\n\n<p>2-way matching works well when:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You\u2019re dealing with <strong>services or subscriptions<\/strong> (e.g., SaaS, retainers, consulting)<\/li>\n\n\n\n<li>There are recurring, predictable purchases<\/li>\n\n\n\n<li>The risk of receiving \u201cwrong goods\u201d is low<\/li>\n\n\n\n<li>You want faster processing and fewer steps<\/li>\n<\/ul>\n\n\n\n<p><strong>Example:<\/strong><strong><br><\/strong>Your marketing team has a monthly retainer with an agency. You raise a PO for \u20b95L per month. The invoice comes in for \u20b95L, with the agreed tax split. AP compares the PO and invoice, they match, and payment moves ahead. No goods receipt is really needed here.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pros of 2-way matching<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Faster approvals<\/li>\n\n\n\n<li>Less operational overhead<\/li>\n\n\n\n<li>Easy to automate<\/li>\n\n\n\n<li>Ideal for recurring or low-risk spend<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Limitations of 2-way matching<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Assumes the goods or services were actually delivered as expected<\/li>\n\n\n\n<li>Not ideal for complex deliveries or high-value inventory<\/li>\n\n\n\n<li>Can miss issues where quantity delivered doesn\u2019t match quantity ordered<\/li>\n<\/ul>\n\n\n\n<p>This is where <strong>3-way matching<\/strong> comes into play.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What is 3-way matching in accounts payable?<\/strong><\/h2>\n\n\n\n<p>In <strong>3-way matching<\/strong>, AP checks:<\/p>\n\n\n\n<p><strong>Purchase Order (PO) \u2194 Vendor Invoice \u2194 Goods Receipt (GRN)<\/strong><\/p>\n\n\n\n<p>Here, a payment is released only when:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The invoice matches the PO <strong>and<\/strong><\/li>\n\n\n\n<li>The goods or services have been <strong>confirmed as received<\/strong><\/li>\n<\/ol>\n\n\n\n<p>AP verifies that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The quantity on the invoice = quantity on the GRN (or service confirmation)<\/li>\n\n\n\n<li>The quantity on the GRN is within the quantity on the PO<\/li>\n\n\n\n<li>Rates and line items on the invoice match the PO<\/li>\n<\/ul>\n\n\n\n<p>This extra step significantly reduces the risk of paying for items that were short-delivered, damaged, or never delivered at all.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>When 3-way matching is a better choice<\/strong><\/h3>\n\n\n\n<p>3-way matching is ideal when:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You purchase <strong>physical goods or inventory<\/strong><\/li>\n\n\n\n<li>Shipments are <strong>partial, staggered, or large<\/strong><\/li>\n\n\n\n<li>You handle <strong>CAPEX or high-value items<\/strong> (machines, equipment, IT hardware)<\/li>\n\n\n\n<li>You have strict internal controls or audit expectations<\/li>\n<\/ul>\n\n\n\n<p><strong>Example:<\/strong><strong><br><\/strong>Your company orders 1,000 POS terminals from a vendor. The PO is raised with quantities and unit price. When the shipment arrives, your warehouse team records a GRN for 980 terminals (20 were damaged). The vendor invoice is for 1,000. With 3-way matching, AP sees the mismatch between invoice and GRN, flags it, and ensures you pay only for 980 units \u2014 not 1,000.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pros of 3-way matching<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Much stronger control over physical goods<\/li>\n\n\n\n<li>Reduces <a href=\"https:\/\/open.money\/blog\/b2b-payment-fraud-2\/\">overpayment and fraud risk<\/a><\/li>\n\n\n\n<li>Supports compliance and audit requirements<\/li>\n\n\n\n<li>Improves confidence in inventory and COGS numbers<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Challenges of 3-way matching<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Slightly slower than 2-way matching<\/li>\n\n\n\n<li>Requires proper GRN or service confirmation processes<\/li>\n\n\n\n<li>Can create bottlenecks if done manually or only at month-end<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2-way vs. 3-way matching: how to choose<\/strong><\/h2>\n\n\n\n<p>There\u2019s no one-size-fits-all answer, but a simple way to think about it:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Question<\/strong><\/td><td><strong>If \u201cYes\u201d \u2192 Lean Toward<\/strong><\/td><\/tr><tr><td>Is this a recurring, low-risk service or subscription?<\/td><td><strong>2-way matching<\/strong><\/td><\/tr><tr><td>Are we dealing with physical goods or inventory?<\/td><td><strong>3-way matching<\/strong><\/td><\/tr><tr><td>Is the spend high-value or critical to operations?<\/td><td><strong>3-way matching<\/strong><\/td><\/tr><tr><td>Do we have strong vendor trust and simple contracts?<\/td><td><strong>2-way matching<\/strong><\/td><\/tr><tr><td>Are we under tighter audit \/ compliance scrutiny?<\/td><td><strong>3-way matching<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Many mature AP teams use <strong>both<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2-way matching for low-risk, recurring, service-based spend<\/li>\n\n\n\n<li>3-way matching for physical goods, inventory, CAPEX, or large one-time purchases<\/li>\n<\/ul>\n\n\n\n<p>You don\u2019t have to over-engineer the entire AP process from day one. But you do want a <strong>clear policy<\/strong> on which matching method applies to which category of spend.<\/p>\n\n\n\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;600;700&#038;display=swap\" rel=\"stylesheet\">\n\n<style>\n  \/* Container - Compact *\/\n  .vendor-banner-container-fix {\n    background: linear-gradient(90deg, #5b24b2 0%, #2e125a 35%, #000000 100%);\n    padding: 18px 20px 25px 20px; \/* Reduced top padding to 18px; kept bottom at 25px *\/\n    text-align: center;\n    border-radius: 8px;\n    font-family: 'Poppins', sans-serif;\n    box-sizing: border-box;\n    width: 100%;\n    overflow: hidden;\n  }\n\n  \/* Main Headline - FORCE WHITE *\/\n  h2.vendor-banner-title-fix {\n    color: #ffffff !important; \n    font-size: 28px !important;\n    font-weight: 700 !important;\n    margin: 0 0 10px 0 !important;\n    line-height: 1.2 !important;\n    text-transform: none !important; \n  }\n\n  \/* Subtitle Text - FORCE WHITE *\/\n  p.vendor-banner-subtitle-fix {\n    color: #ffffff !important;\n    font-size: 15px !important;\n    font-weight: 400 !important;\n    line-height: 1.4 !important;\n    margin: 0 auto 20px auto !important; \n    max-width: 700px;\n    opacity: 0.95;\n  }\n\n  \/* The Button *\/\n  a.vendor-banner-btn-fix {\n    background-color: #8c52ff !important;\n    color: #ffffff !important;\n    text-decoration: none !important;\n    font-size: 16px !important;\n    font-weight: 600 !important;\n    padding: 10px 30px !important;\n    border-radius: 50px !important;\n    display: inline-block;\n    border: none;\n    box-shadow: 0 4px 10px rgba(140, 82, 255, 0.3);\n  }\n\n  a.vendor-banner-btn-fix:hover {\n    background-color: #7b42ea !important;\n    transform: translateY(-2px);\n  }\n\n  \/* Mobile Responsiveness *\/\n  @media (max-width: 768px) {\n    .vendor-banner-container-fix {\n      padding: 15px 15px 20px 15px; \/* Marginally reduced mobile padding as well *\/\n    }\n    h2.vendor-banner-title-fix {\n      font-size: 24px !important;\n    }\n    p.vendor-banner-subtitle-fix {\n      font-size: 13px !important;\n      margin-bottom: 15px !important; \n    }\n    a.vendor-banner-btn-fix {\n      width: 100%;\n      max-width: 250px;\n    }\n  }\n<\/style>\n\n<div class=\"vendor-banner-container-fix\">\n  <h2 class=\"vendor-banner-title-fix\">Take control of your vendor payments<\/h2>\n  <p class=\"vendor-banner-subtitle-fix\">Centralise approvals, automate payouts, and get full visibility into payables, all from one dashboard.<\/p>\n  <a href=\"https:\/\/register.open.money\/accounts-payable-module\" class=\"vendor-banner-btn-fix\">Simplify Payables<\/a>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why manual matching doesn\u2019t scale<\/strong><\/h2>\n\n\n\n<p>On paper, matching sounds simple. In practice, AP teams often struggle because:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>POs live inside the ERP<\/li>\n\n\n\n<li>Invoices come via email or PDFs<\/li>\n\n\n\n<li>GRNs sit in warehouse tools or Excel<\/li>\n\n\n\n<li>Approvals happen over chat or email<\/li>\n<\/ul>\n\n\n\n<p>The more vendors, entities, and tools you have, the harder it becomes to maintain a clean, consistent matching process.<\/p>\n\n\n\n<p>Symptoms of this:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Month-end reconciliation drags out<\/li>\n\n\n\n<li>Teams spend hours hunting for POs or GRNs<\/li>\n\n\n\n<li>Duplicate or incorrect payments get noticed only later<\/li>\n\n\n\n<li>Auditors ask for trails that are painful to reconstruct<\/li>\n<\/ul>\n\n\n\n<p>This is exactly where <strong>automation and integration<\/strong> start to pay off.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How automation makes 2-way and 3-way matching easier<\/strong><\/h2>\n\n\n\n<p>With an <a href=\"https:\/\/open.money\/blog\/right-ap-automation-tool-for-your-business\/\">AP automation platform<\/a>, the same controls become far more manageable:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Invoices are digitised and structured automatically (no manual keying)<\/li>\n\n\n\n<li>POs, invoices, and GRNs are linked based on rules and references<\/li>\n\n\n\n<li>Matching happens continuously, not just at period-end<\/li>\n\n\n\n<li>Only <strong>exceptions<\/strong> (mismatches, missing docs, out-of-tolerance cases) land on the AP team\u2019s plate<\/li>\n<\/ul>\n\n\n\n<p>Instead of checking everything, finance focuses on what\u2019s wrong \u2014 not what\u2019s already fine.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How OPEN helps finance teams get matching right<\/strong><\/h2>\n\n\n\n<p>This is where <strong>Open\u2019s Accounts Payable automation<\/strong> can quietly transform your 2-way and 3-way matching.<\/p>\n\n\n\n<p>With Open, finance teams can:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Configure 2-way or 3-way matching policies by vendor, category, or transaction type<\/li>\n\n\n\n<li>Automatically match vendor invoices with POs and GRNs<\/li>\n\n\n\n<li>Flag quantity, rate, or tax mismatches before payment is triggered<\/li>\n\n\n\n<li>Route exceptions to the right stakeholders (Procurement, Warehouse, Finance)<\/li>\n\n\n\n<li>Maintain an audit-ready trail for every matched and mismatched invoice<\/li>\n<\/ul>\n\n\n\n<p>And because Open integrates with widely-used ERPs and accounting tools like Tally, Zoho Books, Microsoft Dynamics, SAP, and Oracle, matching doesn\u2019t happen in a disconnected tool. It works with your existing finance stack, not against it.<\/p>\n\n\n\n<p>The result:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fewer disputes<\/li>\n\n\n\n<li>Cleaner books<\/li>\n\n\n\n<li>Faster, more confident approvals<\/li>\n\n\n\n<li>An AP function that supports growth instead of slowing it down<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final word: choose control, then scale with systems<\/strong><\/h2>\n\n\n\n<p>Choosing between 2-way and 3-way matching isn\u2019t about picking a \u201cbetter\u201d method \u2014 it\u2019s about choosing the <strong>right control for the right kind of spend<\/strong>, and then supporting it with tools that can scale.<\/p>\n\n\n\n<p>Start simple.<br>Use 2-way where it\u2019s enough.<br>Use 3-way where it\u2019s necessary.<br>Let automation handle the grunt work.<\/p>\n\n\n\n<p>That\u2019s how accounts payable grows with the business, without becoming a bottleneck.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Frequently Asked Questions (FAQs)<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. What is the difference between 2-way vs 3-way matching in accounts payable?<\/strong><\/h3>\n\n\n\n<p>2-way matching compares the purchase order and invoice to verify pricing and terms. 3-way matching adds goods receipt confirmation, providing stronger control before payment is released.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. How does invoice matching help with GST compliance?<\/strong><\/h3>\n\n\n\n<p>Proper invoice matching ensures purchase records are accurate, which supports correct ITC claims and reduces mismatches during GST reconciliation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Can small businesses use both 2-way and 3-way matching?<\/strong><\/h3>\n\n\n\n<p>Yes, many Indian SMBs follow a hybrid approach, using 2-way matching for services and 3-way matching for goods or inventory purchases.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. What are the common risks of skipping invoice matching?<\/strong><\/h3>\n\n\n\n<p>Without invoice matching, businesses face higher risks of duplicate payments, overbilling, vendor disputes, and GST-related discrepancies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. How can AP automation improve invoice matching?<\/strong><\/h3>\n\n\n\n<p>AP automation reduces manual errors, speeds up approvals, and strengthens overall control within the accounts payable process.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"Key Takeaways 2-way matching checks whether a vendor invoice matches the purchase order. 3-way matching adds a goods&hellip;","protected":false},"author":69,"featured_media":24643,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","footnotes":""},"categories":[1],"tags":[],"class_list":{"0":"post-24642","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-announcements","8":"cs-entry"},"_links":{"self":[{"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/posts\/24642","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/users\/69"}],"replies":[{"embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/comments?post=24642"}],"version-history":[{"count":4,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/posts\/24642\/revisions"}],"predecessor-version":[{"id":24800,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/posts\/24642\/revisions\/24800"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/media\/24643"}],"wp:attachment":[{"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/media?parent=24642"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/categories?post=24642"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/tags?post=24642"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}