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Cost is relative.

The true questions is do I get the perceived benefit or am I paying for things I will never use?

Included in the annual subscription is the licensing cost per user, the support for the application and the option to apply upgrades to take advantage of the latest features.

ROI can be measured in various ways such as a reduction in effort around the whole process, savings in storage, printing as well as making audit easier.

Employing different automated rules for reconciliations add benefit and different frequencies can reduce doing a reconciliation just for the sake of it.

Also having visibility over your reconciling items means that the potential write off of outstanding items are followed up.