Share your reflections and ideas for automatic bank reconciliation

we raise a large number of invoices that are paid in installments over up to a 12 month period. so an invoice for £120 may be paid in 12 installments of £10 each direct to our bank. The payment will include the account number for the customer in the reference field. When Xero suggests a match, it seems to do so by first looking to the value of the receipt and comparing it to the outstanding balances of individual invoices. we would like it to suggest solely based on the reference account no. Can this be done. there are too many for it to be worthwhile setting up rules for each customer paying this way, and the amoints will likely change each new year.