diff --git a/bbstool.scm b/bbstool.scm
index 72de575..339ea02 100644
--- a/bbstool.scm
+++ b/bbstool.scm
@@ -43,7 +43,8 @@ CONNECTION WITH THE USE OR PERFORMANCE OF THIS SOFTWARE.
 	member-parser
 	member-fees
 	members-dir
-	csv-simple)
+	csv-simple
+	members-payments)
 
 ;; Print banner
 (print "bbstool 0.6 (c) 2023 Brmlab, z.s.")
@@ -51,6 +52,7 @@ CONNECTION WITH THE USE OR PERFORMANCE OF THIS SOFTWARE.
 
 ;; Command-line options and configurable parameters
 (define *members-directory* (make-parameter "members"))
+(define *apikeys-file* (make-parameter "apikey.ntlm"))
 (define -member-id- (make-parameter #f))
 (define -member-nick- (make-parameter #f))
 (define -action- (make-parameter #f))
@@ -111,7 +113,9 @@ CONNECTION WITH THE USE OR PERFORMANCE OF THIS SOFTWARE.
   (newline))
 
 ;; Load the members database (required for everything anyway)
-(define MB (load-members (*members-directory*) #t))
+(define MB (members-payments-process
+	    (load-members (*members-directory*) #t)
+	    (*apikeys-file*)))
 
 ;; If a member is specified by either id or nick, get its record
 (define mr
@@ -140,7 +144,9 @@ CONNECTION WITH THE USE OR PERFORMANCE OF THIS SOFTWARE.
        (let ()
 	 (print-member-table mr)
 	 (print-member-calendar-table mr)
-	 (print "Total fees: " (member-fees-total mr)))
+	 (print "Total fees: " (member-fees-total mr))
+	 (print mr)
+	 )
        (print-members-base-table MB))
    (newline))
   ((print-stats)
diff --git a/members-payments.scm b/members-payments.scm
index 5fe51f8..213dcc9 100644
--- a/members-payments.scm
+++ b/members-payments.scm
@@ -32,17 +32,53 @@
   )
 
  (import scheme
-	 bank-account)
+	 (chicken base)
+	 (chicken string)
+	 (chicken io)
+	 bank-account
+	 member-record
+	 members-base
+	 bank-fio)
 
  ;; Merges bank account statement into members payment keys. The
  ;; payment key will be a list of transactions.
- (define (members-payments-process mb ba)
+ (define (members-payments-process-bank mb ba)
    (let loop ((mb mb)
 	      (transactions (bank-account-transactions ba)))
      (if (null? transactions)
 	 mb
-	 (let* ((transaction (car transactions)))
-	   (loop mb
+	 (let* ((transaction (car transactions))
+		(varsym-id (string->number (bank-transaction-varsym transaction))))
+	   (loop (members-base-update mb
+				      (lambda (mr)
+					(eq? (member-id mr)
+					     varsym-id))
+				      (lambda (mr)
+					(member-record-add-payment mr transaction)))
 		 (cdr transactions))))))
 
+ ;; Reads the payments
+ (define (load-accounts-list apikeys)
+   (map (compose car string-split)
+	(read-lines
+	 (open-input-file apikeys))))
+
+ ;; Loads all accounts - it expects .csv files in the current
+ ;; directory.
+ (define (load-accounts accounts-list)
+   (map (lambda (acc)
+	  (bank-fio-parse (string-append acc ".csv")))
+	accounts-list))
+
+ ;; If apikeys is not #f, loads the account numbers, loads bank
+ ;; accounts and processes transactions.
+ (define (members-payments-process mb apikeys-file)
+   (if apikeys-file
+       (let* ((accounts (load-accounts
+			 (load-accounts-list apikeys-file))))
+	 (foldl members-payments-process-bank
+		mb
+		accounts))
+       mb))
+
  )